Is it a nightmare?That's why it is a designer's nightmare. However, as above, the existance of an OPD in the circuit prevents danger when (as will sometimes happen - such is a statistical approach) loads 'happen' to exceed the maximum estimated on the basis of applying diversity. The dangerous situation would be to apply diversity but not have an OPD to over-ride it with a 'ceiling'
Or a pointless concept of so little worth as to make it not worth worrying about, let alone allowing it to take on nightmare proportions?
If, without changing in any way either the number of socket outlets I have or the set of appliances I have plugged into them, I rewire my house to have at least one dedicated socket circuit per room, and end up with 3 or 4 times as many circuits as I have now, what happens to my maximum demand?
AIUI, in France your standing charge would be eye-watering if you wanted a supply of the same capacity which is typically "required" by houses in this country based on their "maximum demand", so people go for a lower MD, which is enforced by the suppliers equipment and managed by the consumer's equipment having load-shedding relays. It would be interesting to find out how French electricians estimate MD to come up with a figure which doesn't result in frequent operation of le disjoncteur or of your appliances switching on and off.