the amount of breakers has nothing to do with connected load.
Think about it this way, you have a 20 amp single pole circuit feeding receptacles in any given room, you put a recording amp meter on it for an extended period of time and see the peak is 7 amps with an average of 2 amps over this period. This would probably be exaggerated for many circuits, so the face value of an OCPD is not really relative when computing a service or panel feeder.
Roger
