I'm of the same opinion of our learned friends Tel and E54 for the smaller cables such as 1.00mm 1.5mm and 2.5mm even derated @ 50% there is no way it will affect a normal domestic installation. How long are lights on upstairs I would imagine a single hall light for a young child might be left on for any period of time overnight, but if at the max of 100watt it would never get near the current carrying capacity of the cable in any circumstances. T
That is also concerning the 2.5/4mm cable used for socket circuits.
Even the heavy duty showers IMO would not be affected as if they are used for an hour during a 24 hr period I would be surprised.
Unfortunately today we have a generation of electricians that are brought up without the benefit of designing circuits for themselves, instead we have a multitude of "guides" that advise us it must be done this way or that way, and i'm afraid the NICEIC are the main culprits for this.
I don't blame these younger lads, they have not had the chance in a lot of cases to develop skills as I was given, and of course in this someone must be to blame society it is easier, simpler and perhaps safer to just do it as the guide insist.