You are correct it has to be designed, I remember a warehouse where they wanted sockets to run the cleaners, we ran a 6 mm² ring around the top of the warehouse with 2.5 mm² drops to each socket so there was not a single socket on the ring, every one was a spur from the ring the 6 mm² reduced the volt drop it would have been crazy to have taken the supply down 15 meters to each socket and back up again. And the warehouse was well over the 100 meters² area.
In a house you have access problems, I know we now have maintenance free JB's but with a house the idea of doing as done with that warehouse does not make sense. However there are some things we can do with houses to reduce the volt drop or the loop impedance. Wiring side to side rather than upper and lower floor often reduces the volt drop, also cheaper as less cable used.
With domestic there is a balance between convention and design. People expect a house to be wired upper and lower not side to side, so wiring side to side can mean some one in the future makes a mistake. But that is really down to the guy in the future not testing and inspecting first and should we really plan for some idiot in the future not doing his job correctly?
The same goes for 4 mm² radial circuits, I have found where the circuit was extended half way using 2.5 mm² clearly who ever did it thought it was a ring. But that's not a good reason for not using 4 mm² as a radial.
The whole idea of the ring final was to save copper after the war, but rules like 1/3 along the beam to drill the hole have resulted in not saving that much copper any more, so there is a case for using radials. However it's all down to design. And circuits should be designed, not done a set way because we have always done it that way. We are after all electricians not plumbers.