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I'm not an electrician but I understand you need to down rate the current as they can't dissipate heat as well. The derating factor can be about half depending on the cable material and insulation depth. For something like an immersion heater I'd get it checked by an electrian with the tables.
Or you could search for "APPENDIX 1: Correction Factors for Sizing of Cable Conductors" which might be right and hope your house doesn't burn down.
Loft insulation over cables, having trouble finding a definitive answer on this. An electrician I had around the other day said it'll probably be fine, some people on the internet say it'll be fine, others say it might burn the house down. I'm hearing things like 'don't pack it too tightly around the cables', which is surely bullshit because insulation doesn't work that way.
The lights are, I imagine, largely fine if they're all running LED bulbs. There's a couple of chunky cables that I think lead to an immersion heater that worry me more. I'd be able to pin them to the underside of the raised floor but the absolute weapon that installed them tied a knot in one.