Does one exclude the other? Is the risk of a house fire higher with 1.5mm² and 13A than with a 2.5mm² cable and 16A?
No, of course not. The risk should not be higher; however, the likelihood of the circuit breaker tripping with 1.5 mm² is simply higher. The price difference for the 2.5 mm² cable is not that much greater, which is why I don’t see a valid reason to choose 1.5 mm². The breakers cost the same.
So you connect sockets to the next larger room and lighting as well?
Yes, for me, that specifically means parents + dressing room, hallway + guest WC, and upstairs hallway + attic.
The large living/dining/kitchen area would be protected by two circuits for the standard connections (stove and major appliances separately).
I would prefer to lay a bit more cable in the kitchen.
I understand what you mean, but except for "it might happen that your breaker trips" and "then you sit in the dark," I lack a real reason. That is acceptable to me and has happened about five times in my houses and apartments over the past 30 years. If it were to say the cable gets too hot and burns through the wood fiber insulation, that would be different, but as a layman, I see little cause for concern since I only use a 13A breaker.
If you lay the cables yourself anyway, you are basically only paying for the cable. Why save then?
And if you want another reason: I have already encountered two stuck breakers (admittedly about 30 years old). That’s where 2.5mm² helps simply for physical reasons.