First I find your wording a little confusing but I have a feeling you meant a feeder that feeds the entire dwelling.
But even if that is what you meant, I have to disagree, until someone proves me wrong anyway.
Even if there is only two "general illumination" branch circuits I think it applies, which makes some sense as it will take two circuits to be able to handle 3000VA if you are limited to 15 and 20 amp 120 volt circuits for this purpose. Go beyond 3000 VA and you can start applying demand factors.
What about this section.
220.82 Dwelling Unit.
(A) Feeder and Service Load. This section applies to a
dwelling unit having the total connected load served by a
single 120/240-volt or 20SY1120-volt set of 3-wire service
or feeder conductors with an ampacity of 100 or greater. It
shall be permissible to calculate the feeder and service
loads in accordance with this section instead of the method
specified in Part III of this article. The calculated load shall
be the result of adding the loads from 220.S2(B) and (C).
Feeder and service-entrance conductors whose calculated
load is determined by this optional calculation shall be
permitted to have the neutral load determined by 220.61.
or
220.83 Existing Dwelling Unit. This section shall be
permitted to be used to determine if the existing service or
feeder is of sufficient capacity to serve additional loads.
Where the dwelling unit is served by a 1201240-volt or
20SY/120-volt, 3-wire service, it shall be permissible to
calculate the total load in accordance with 220.S3(A) or (B).
(A) Where Additional Air-Conditioning Equipment or
Electric Space-Heating Equipment Is Not to Be
Installed. The following formula shall be used for existing
and additional new loads.
Load (kVA)
First S kV A of load at
Remainder of load at
Percent of Load
100
40
I don't think that you are allowed to apply the reductions unless the feeder carries the entire load to the home.
Also a 50 amp feeder is not the same as a 60 amp service. By the way who says you can add load to an old house with a 60 amp service without doing a calc and if it calcs out short how is that install compliant.