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Interesting post this because ....
1) Pete 999 is correct
2)you are correct, and
3)Davesparks is correct.
In reality, the rating factors as Davesparks says may go up or down. Then we need to factor in something not mentioned often enough in the regs (for my liking), "common sense". In reality the likely hood is that insulation in houses will become more used as time goes by. We have this year started to use 16 amp mcb, s as standard for general socket circuits to "future proof" current installation work.
Pete and Dave would apply rating factors and would likely have a decent amount of common sense, whereas I'm enquiring from the position of someone trying to increase their understanding.
One thing I don't get is the idea of 16A circuits being a means of future proofing - while appliances have (and will) become more efficient, it's also likely that they will continue to become more numerous in homes. Surely a better way of future proofing would be to continue to provide a 20A (or higher) supply to those sockets, but using installation methods that are compatible with the sort of insulation you envisage. Downrating the supply sounds more like keeping costs down than future proofing.