The regs are an imperfect painting-by-numbers scheme that if followed ought to result in an installation that complies with the statutory requirements of other legislation. They aren't statutory in and of themselves though. Not following one is not always breaking the law.
I would happily stand up in court and defend two typical lighting circuits in an RCBO as being electrically safe, especially given the considerably lower loadings of many LED infested lighting circuits these days, usually considerably lower than the original design anticipated.
I'd never stand up in court and defend a boiler radial in with a sub main as we're mixing final and distribution, wrong OCPD for boiler, and wildly different functions which could lead to incorrect isolation attempts.
The 2nd sentence in that reg says "The wiring of each final circuit shall be electrically separate from that of every other final circuit, so as to prevent the indirect energizing of a final circuit intended to be isolated"
I can understand anyone saying this is black/white and choosing not to do it.
I can also understand anyone saying "the spirit of that reg is grouping functions together for clarity and safe isolation".
If you can summarise a circuit easily e.g. "Lighting 1st/2nd Floor" and the loading is suitable there is no reason why they can't be combined. Where they are combined is really not worth this degree of argument/upset.