there is nothing to say how you should split circuits. its down to the designer. in a new house, its very unlikely to have 1 light circuit, but just because its only got 1 doesnt mean its dangerous. if your changing the DB, you are improving things. but you should consider a C6 for lighting if Zs permits
I presume form this statement you haven't actually don't the calcs re cable lengths, Zs, etc with Type B vs Type C?
I think you will find a 10a type B will give greater flexibility of Zs than a 6a type C.
e.g. taking general figures from Pg 58 OSG
or Page 40 Of Guidance Note #1.
Type B trip 3x to 5x ln
Type C trip 5x to 10x ln
so the 6A type B is typically 18A - 30A
6A type C is 30A - 60A
10A type B is 30A - 50A
Type C more commonly used where daily in-rush currents..
e.g. switching on commercial lighting / motors etc.. may cause trips..
Occasional domestic bulbs blowing is NOT a regular repeated switch on in-rush current as described in table 7.5 O.S.G.
NOW max ZS
Type B 6a 7.67
Type C 6a 3.83
Type B 10a 4.6
Knock off your 80% rule of thumb..
Type B 6a 7.67x0.8=6.13
Type C 6a 3.83x0.8=3.06
Type B 10a 4.6x0.8=3.68
If you also went & took off a typical worst case Ze, TNS -0.8 TNCS -0.35,
Type B 6a 5.49 to 5.86
Type C 6a 2.42 to 2.78 to
Type B 10a 3.04 to 3.4
then use your R1+R2 vales from table 9A, pg 166..
typical lengths assuming 1.5mm T&E are
Type B 6a 182m - 194m
Type C 6a 80m - 92m
Type B 10a 101m - 113m
so overall with a typeC 6A you are loosing 100m potential length!
more than half of your capacity!
A typeB 10a still looses enough but you gain an extra 20m over a type C..
with a very similar "inrush current" capacity!
I don't use typeC for Domestic lighting but for commercial yes I would!