Re: required small appliance circuits
I determine exactly how many coutertop receptacles that are required and divide them into the two small appliance circuits. For your example, I would split the four contertops into the two required circuits.
The refrigerator, dishwasher, disposal, compactor, microwave, and any other larger than countertop appliance gets its own dedicated circuit.
Kitchens are one of the heaviest loaded areas in the home. Providing minimal requirements is doing your customer a diservice. Just my opinion.