It is upon us in the field to distribute loading when it's not done by a designer. Grouping loads by current levels helps. For example, when laying out a residential panel, I'll try pair up the 120v circuits something like this:
A - Kitchen recs A
B - Kitchen recs B
A - Refrigerator
B - Microwave oven
A - Garb. disposer
B - Dishwasher
A - Laundry rec(s)
B - Garage recs
A - Fam. rm. recs
B - Liv. rm. recs
A - Bedrm recs A
B - Bedrm recs B
A - Main fl. ltg. A
B - Main fl. ltg. B
A - Bedrm ltg. A
B - Bedrm ltg. B
A - Ext. ltg. front
B - Ext. ltg. rear
Etc.