You're comparing average with peak usage. Doesn't really make any sense.
A microwave will consume 8-12 amps. A desktop computer is around 3-5 amps. I don't know what my electric stove used when I still had one, but it needed a 40 amp breaker on its own.
Heating and stoves are gas based (ovens usually not though); going over the limit is not usual, the only common problem is when using air conditioning in summer which is becoming more widespread, and so are higher power contracts (we're not talking more than 6kW, though).
According to my utility, I consume annually 2660kWh, that is 300W average, much less than the 1.2KW for an American household.
Note that for home contracts the limit (and billing) is on power, not amps, so using inductive or reactive loads will not penalize you.
Here, in Madrid, most of my friends are running 10 to 20 amps. I'm an outlier, running 25amps (5.75 kW) because all my stuff is electric (water heater, cold/hot air conditioning, microwave, glass-ceramic stove...).
My Ryzen 5 desktop is consuming 0.3 to 0.5amps (being 50 to 120watts at 220V), supposing you're using 110volts your desktop computer must be a big gaming rig if it's consuming 350 to 550watts ;)
My sister-in-law has an induction stove, so she gets 40 A and the stove is connected directly to a separate bigger fuse.
I don't have an electric hob but electric heater + dishwasher + oven certainly triggers the breaker.