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To be honest that isn't too bad. WHen I got my flat I had about 7cm of stuff but all pushed to the side, so no loft insulation in effect. Now with proper rockwool at ~27cm thick (like yours) rolled out on top things are a lot better.
For lights, what I've done is got the units which have an integrated cap, so the insulation can be layed ontop
For me I have the horizonal section of trusses about 50cm above the floor/ceiling so can climb and store on those.
You can get lift stilts to add a storage deck, above
Poked my head up into the loft of the new house today. I want to insulate properly and partially overboard for storage. Best to just get rid of all this glass fibre crap and start again, or just re-lay where is been messed with and last some more over the top?
How to deal with ceiling lights in the bathroom too? Haven't inspected them yet, but can they be covered if properly isolated from the insulation?