Re: "unbalanced currents"
The good part is that you don?t have to worry about how imbalanced the current is. If all of the load was on Phase A, and none on Phase B, then the neutral current would equal the Phase A current. In this case, the total heating value of all current in all wires would be no higher than it would have been, if the currents were perfectly balanced. That is true for 3-phase systems as well.
Now, harmonics are a different issue, but that was not part of the question.