All I can say is that the facts don't support that concern. The average load in a domestic dwelling is very low, and typically peak loads aren't that great either. Just look at what DNOs & DSOs allow for each dwelling without incident.As I said, it's just a matter of personal opinion.
I would personally only ever use 20A radials to supply rooms/areas where I believed that 'large loads' were fairly unlikely. A circuit with multiple double sockets which can theoretically only support about 1.5 'fully-loaded' 13A outlets just feels a bit 'tight' to me.
Kind Regards, John