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dingbat
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Carl,
a purely resistive load is, effectively, nothing more than a piece of conductor (unlike, say, a motor). The impedance of such a load is made up almost entirely of the simple resistance of that conductor.
Such a load could fail in short circuit or earth fault, or go open circuit, but is incapable of creating an overload.
So, in this case, the 20A (full) resistive load would easily be carried by a 6 sq mm cable at #103, with no risk of overload and therefore, no need to provide overload protection, but the circuit could be protected against fault currents by a 32A cb, simply by meeting the Zs limit for that breaker.
(But, as I've already stated, this would be something of a last resort in most circumstances.)
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