yeah its one of those judgement calls, and I'm trying to see what others do in their judgement. If its practical i like to see if existing load can fit on a 15amp afci breaker and make closet fuse box into splice box, and let it blow if they add too many extension cords, with recomendation that they need to add plugs upto code with new sub installed, in location that has clearances etc. My own experience contracting has been repair work, the occasional service swap out and upgrade, fishing new bath and kitchen circuits where desired, and other experience working for others in ac/dc solar installs, and large single family homes where the PM or office did all the judgement calls. This one client, that's been good has a tendancy to get the place ready to rent before asking if electrical is OK, I guess they want tokeep their painter happily employed......