Actually, I have found some cases where something that seems like over-building turns out not to be code.
Wiring my Kitchen island, I ran 10-gauge wire on a 30-amp circuit breaker so as to be sure and have enough current to run the trash compactor, garbage disposal, and dish washer (if all on simultaneously, the plate ratings added up to 21.5 amps). Inspector made me add another cable and split the appliances onto seperate circuits; both with 20 amp breakers. It turns out that many appliances have a maximum circuit size they are rated to be connected to. They are only failure-tested (UL certified) with that amount of current. A garbage disposal that has a failure and shorts out safely below 20 amps might burn down your house if it happens to short out and draw 30 amps on a 30 amp circuit.
- Rick