Earlier quoted context omitted.
That just means that you can't max out all your circuits at the same time. I'm pretty sure that's considered normal. If instead of FIR panels you use a heat pump (isn't that the main point of electrical heating), would you still need 32A? And if you're cooking and baking with 10 kW, would you still need heating at the same time? And a 7 kW heat pump water heater should give you ~10 liters per minute of hot shower wat…
Heat pump is a no, thank you. 10k for air source, noisy, ugly, big; 3x100m deep holes for ground source, don't even want to know the price. EDIT: for <5k I'd have the whole house on FIR panels and electric boiler, then I could spend another 5k on solar.
Maybe you can install a cheaper FIR system, but that system is actually just electric resistance heat. Sure, maybe you can operate in a regime where the mean radiant temperature where you are is enough higher than the actual air temperature to save some power, but that had better be a pretty big effect to overcome the 3-4x efficiency improvement of a heat pump. And did I mention that the heat pump can cool, too?