Redsy is right about the Home Inspection industry becoming more forceful in pushing their "recommendations". The home inspector I spoke of includes a notation of "possible safety hazard" beside his more strident repair/replace recommendations in his report. His escape clause is a small FPN of his own that states something to the effect that his lists of noted defiencies are just recommendations, and should always be inspected by a licensed electrician. Unfortunately, his FPN is buried with the rest of the small print, where few realtors and homeowners bother to read. What really gets me is his title of "Inspector" alone gives him the guise of being an authority on this, so both the realtor and homeowner takes his word as the final answer. But, I have had to defend my replies with the open NEC in front of them, if my opinion differed with his.
While this may sound like ego and pride talking, and I don't mind the work these inspectors sometimes provide (God knows we need it right now), it ain't my style to fix something that ain't broke, and charge people for it.
Although, I have had other contractors shake their heads at me for turning down easy money like that.
Now that I've hi-jacked this thread from it's original direction, I'll steer it back by saying we try to size the circuit according to the anticipated load, and use subpanels judiciously where we can.
Dallas