Patrick, you should be looking at article 220 for your load calcs and look at the examples in annex D in the back to see how all of that works.
The 3va from table 220.12 is all of the general lighting load for the occupancies it applies to but the footnotes at the bottom have additional adjustments for occupancies like offices that will end up being 4.5va when you apply them 220.14(k).
220.14(J) points out the required outlets in a dwelling that do not trigger any additional load allowance (bathrooms, garages, basements and the required lighting outlets). You still add in the laundry and small appliance circuits in the kitchen at 1500va per circuit 220.52(A)(4500va total).
