I would have thought that 'a few times' is probably an appreciable understatement.
Yes as you say common to see 80A RCD supplying MCB's which add up to over 80A, the RCD has two current ratings, one momentary often 4.7 kA and one continuous the 80A rating and it would be unlikely you would get over 80A continuous. A B32A MCB should trip on the magnetic part at between 3 and 5 times the rating, so up to 160A before it trips in 0.01 seconds, there is a sliding scale below that, but seen many a 40 amp shower on a 32A MCB.
There are very few items in the house which can draw high current for an extended time, likely the immersion heater is the longest, followed by maybe tumble drier, it is recommended that items fixed at over 2 kW have a dedicated supply, and normally the immersion heater does have a dedicated supply, but the tumble drier rare, more likely to find the oven with a dedicated supply and the oven with use mark/space control to maintain temperature so in real terms draws high current for less time than the tumble drier or washer/drier.
We see many things which don't really comply with BS7671, and some times there is a slight re-writing to high light miss reading of the regulations.
314-01-01 Every installation shall be divided into circuits as necessary to:
(i) avoid danger and minimize inconvenience in the event of a fault, and
(ii) facilitate safe operation, inspection, testing and maintenance.
314.1 Every installation shall be divided into circuits, as necessary, to:
(i) avoid hazards and minimize inconvenience in the event of a fault
(ii) facilitate safe inspection, testing and maintenance (see also Section 537)
(iii) take account of danger that may arise from the failure of a single circuit such as a lighting circuit
(iv) reduce the possibility of unwanted tripping of RCDs due to excessive protective conductor currents produced by equipment in normal operation
(v) mitigate the effects of electromagnetic interferences (EMI)
(vi) prevent the indirect energizing of a circuit intended to be isolated.
The (iii) (iv) and (vi) are really covered by (i) and (ii) but it became common practice to use a single RCD for many circuits, but even after the change people interpreted it as the RCD not forming a circuit even when it actually mentioned the RCD in the regulations. As to how anyone designing a house electrics can work out if a RCD is likely to trip I don't know? 543.7.1.1 seems to say any plug should not have over a 3.5 mA drain, the point when a RCD trips is between 15 and 30 mA so clearly we want less than 15 mA so just 5 sockets could exceed 15 mA unlikely, but to have 25 sockets plus other items on one RCD is pushing it a bit. But to be fair we can get area power cuts, so "such as a lighting circuit" is not really a valid argument as does not matter how many circuits it can still fail, personally I have a rechargeable torch at top of stairs which auto switches on with loss of power or movement.
So we do a risk assessment, we don't follow BS7671 to the letter, but use some common sense. It may say "A cable concealed in a wall or partition" but we read it as "A low voltage cable concealed in a wall or partition" and the 8 volt door bell does not have a RCD.