Re: bath GFCI
The required bathroom circuit 210.11(C)(3), is not required to be added into the calculation for services 220.3(B)(10).
Look at example D1(a) in annex D at the back of the book. Read the line in the example that is under the bold print - "Minimum Number of Branch Circuits Required" - Bathroom Branch Circuit ... (no additional load calculation is required for this circuit).
Pierre