I can appreciate your train of thought, John, but I would be tempted to remove any ambiguity or possibility of abuse & do what you suggested: put that 13A FCU in prior to the 3A ones.
As I've said, I probably will - but, ironically, really only because I decided to ask the question (even though I suppose I knew what at least some of the answers would be)!
Do I take it that you are similarly unhappy with people running things (e.g. fans) off 6A/10A lighting circuits via 3A FCUs, since the aforementioned hypothetical future medler could change the fuse to a higher-rated one and swap the fan for a much higher load, just as is being suggested could happen with the arrangement I proposed?
Kind Regards, John.
Regarding fans off lighting circuits, I personally think that unless the manufacturers specifically request fusing down, it is satisfactory to wire this type of appliance direct.
With a standard kitchen/ bathroom fan arrangement, it is difficult to imagine how a significantly larger load could be substituted. However, in your cellar situation, potentially your spur off a spur arrangement could be used to supply (for example) a tumble drier and a washing machine.
Of course, the specific situation can alter how the designer considers selection and erection of equipment. As you suggest, some scenarios are unlikely (or far less likely) to be abused and in theory you could ignore certain regulations without fear of creating a dangerous installation.
However, the regs try (I have never said they have succeeded) to account for all scenarios and be idiot-proof and this is why they contain regulations that are, for various reasons, contentious.
When I assess an installation for safety, I would not think, for example, that your RF circuit has three accessories spurred off each other, but they are only running low-current appliances so not a danger. I would record it as a potential at risk situation.
Similarly, undersized tails on a 100A fuse. The installation may currently be drawing 69A peak, but there is potential for overload.
IP breaches: As yet, no-one may have poked their digits into a consumer unit and shocked themselves, but it is still a potential hazard.
I think everyone carrying out electrical work owes it to themselves to consider how that installation may be used now and in the future and take that into account in the design and installation process.