>"Summary: the idea is that if each phase can supply (up to) 100A to your house, if all three are made available your house can then consume the equivalent of 300A"
There is also this reason:
Under Engineering Recommendation G83, single phase connections currently restricts domestic export to 3.68kW AC of solar PV per phase on their rooftops, without seeking DNO permission.
[https://www.solarpowerportal.co.uk/news/rea_calls_for_three_phase_connections_for_all_new_homes_to_unlock_solar_dep]
Which effectively places a limit on the amount of electricity a householder can export to the grid. Which in turn basically means a 4kW solar panel system (circa 28m2) is the largest that can be installed before additional works become necessary.
Which would seem to suggest that some would like to put larger solar arrays on roofs (owned and operated by the DNO - given it is WPD & REA proposing the change).
>"...changing that to 3x60A would still give a useful uplift in capacity"
That could work, the simplest solution would be to put say the shower and cooker on different phases, which given these already have dedicated circuits shouldn't be too difficult. Leaving only the car charging port to straddle all phases.
But as you note upgrading the infrastructure and the retro fit is the difficult part and would probably make the cost of universal fibre look cheap. Personally, I think there is more mileage in domestic level storage etc. which requires not infrastructure upgrade and would potentially significantly reduce the power I need to draw from the grid - which ultimately means less revenue and profit to the DNO's et al...