And guess what, overloads are protected against by circuit breakers. People can overload any branch circuit, even with a single receptacle on it.
The code clearly allows you to supply as many bathrooms as you want from the required circuit.
If you decide you would like to provide a dedicated circuit for each bathroom, feel free.
Unless all houses in your area come with a mother and a daughter preinstalled, your concerns are a little bit exaggerated. We have no idea how customers will use our wiring, even when we get to meet them in person. We can have a better idea by talking to them, but nothing is ever set in stone.
I have put all the bathroom receptacles on a circuit in the past, as well as dedicating a bathroom or a floor to their own. We are free to do as we see fit based on whatever intuition we have. It's shortsighted to ignore the code, and ignore options.