I'm sure it sounds like overkill but I tend to agree. The kitchen area should have 2 20s, GFCI, serving the countertop and the bath should have a GFCI 20. Everthing but the bath should be fed from AFCI breakers since it is all part of the sleeping area.
I suppose it could be argued that the small appliance circuits don't need AFCI but I am not sure how you make that argument if it is all one room.
