That is why we have diversity calulations. Using the diversity calcs, I gave a vid on them, it was exceeding. Hence my concern, hence using some ways of capping.
Your thinking seems very confused. Despite what you say, I think that you definitely do need an electrician at this point, because he/she would hopefully have a much clearer understanding of 'the limits', and might well be able to spare you a lot of your apparent concerns.This is at the design stage of a renovation. We do not need electricians at this point, just what the limits are with work arounds if the limit is being exceeded. Or dropping parts, like the electric UFH then using a wet system with a thermal store, heated overnight (very expensive installation), or the likes. A large thermal store cylinder will take space hence a redesign of the kitchen. A diversity calc is not difficult to do giving the framework you can work within.
Diversity is all to do with the nature (and consumption) of the various loads and the pattern of their usage - and, despite what you seem to think, is not influenced by the ratings of OPDs in the installation.