I think Clydesdales' question is a variation of the old "what is the minimum number of circuits for a house" riddle.
You are required to have:
1 Laundry circuit
2 kitchen small appliance circuits
1 furnace circuit
1 general purpose receptacle circuit
1 general purpose lighting circuit
1 bathroom circuit
While not specifically called for, it is very practical to also have:
1 bedroom circuit
1 smoke alarm circuit
Appliances that, if present, and electric, that will require dedicated circuits are:
2 kitchen stove
2 water heater
2 dryer
2 air conditioner
1 ice melt eqt
Other things in the "should have" category....that is, not required, but certainly desireable, are circuits for:
dishwasher/disposal
Large microwave
separate for each bedroom
separate for each bath
separate for outside/ Xmas lights
