I never did understand the basis for the 42-circuit rule; maybe we should re-visit it.

Wouldn't more dedicated circuits tens to make things safer, and easier to troubleshoot, than fewer?

Finally, the panel may not br 'overloaded' in the sense that it may never draw anywhere near 200 amps.

(Oh, I do much prefer there to be many sub-panels, rather than having everything go to one place).