Funny how much electricians tend to struggle with residential wiring codes. It seems like things are more cut and dry in commercial electrical like having a 180VA calc for receptacles. My method for wiring resi is to make sure all circuits that have a specific purpose are on a dedicated circuit. Most of the time you don't have a choice on this and the code requires it. Bathrooms, kitchens small appliance, laundry, dining room, these all require dedicated branch circuits. All of your appliances and heating will require dedicated circuits. Aside from this your major load is going to be lighting and you should be cautious not to overload your typical 15A lighting circuits, even with LED lighting you can run into problems with inrush current so I am careful not to go crazy and I stick to around 20-30 fixtures per 15A circuit even though the actual load is much probably going to be much less. That being said for a 2500 squ ft house you probably have 7 or 8 kitchen circuit this would inculde the DW, Pantry, K1, k2, Hood, micro, disposal, fridge, insta hot, etc. then you have 2 or 3 bathroom circuits for lights and receptacles ( I always combine the lights onto the receptacles for bathroom circuits to make it easy to GFCI protect any fan or light in the tub shower area), on site septic pumping system is good for a couple circuits, floor heat, ERV, garage rcpt, washing machine, dryer, range, EV charger, hot tub, heat pump #1, Heat pump #2, Boiler, circulation pump, Media panel for communications equipment.
With this list you can see that there are already a lot of circuit in a dwelling and because of this it is totally fine to use 4, 20A general receptacle circuits to pick up the living areas, hallways, bedrooms, etc.. Doing this you may end up with 20-30 receptacles on a branch circuit but it's not going to be a problem because all of the areas of high load are dedicated. The hallways, living areas, bedrooms are mostly just people plugging in a lamp or cell phone. Biggest load someone will plug in will be a vacuume cleaner and a 20A recpt. circuit handles this fine. If you start giving every bedroom and or office space a dedicated recept. circuit you are going to run out of space in your load center and need a sub panel. 15A receptacle circuits are useless in my opinion.