In the example you've given putting 4kw on the lighting circuit will if all is correct just trip the mcb though overload and wont really pose a danger, if the gu10 fitting is installed against its guidelines thus relying on led lamps so little heat is generated just to stay safe then i believe this is wrong, homeowners buy lamps that will fit a particular fitting so its imperitive that doing so dosnt pose a danger whichever lamp is chosen and in the above therectical example it would be a fire risk if the fitting didnt have the clearance it required, just because marty1234 may know to use LEDs he may not be there the next time the lamps are replaced neither may the present occupant. It is the responsibility of the installer to follow the instructions fully then no matter what lamp is ever used in the fitting it will be safe, if the installation safety instructions cannot be met then it shouldnt be installed whether or not the intention is to use LEDs.