And even then, even if you do run something 24/7 at max wattage, it's definitely not guaranteed to start a fire even if the wiring is bad. Like, as long as it's not egregiously bad, I'd expect that there's enough margin to cover up less severe issues in most cases. I'm guessing the most danger would come when it's particularly hot outside (especially since then you'll probably have a lot of heat exchangers running.)
I've definitely seen my share of scary things. I have a lighting circuit that is incomprehensibly wired and seems to kill LED bulbs randomly during a power outage; I have zero clue what is going on with that one. Also, often times opening up wall boxes I will see backstabs that were not properly inserted or wire nuts that are just covering hand-twisted wires and not actually threaded at all (and not even the right size in some cases...) Needless to say, I should really get an electrician in here, but at least with a thermal camera you can look for signs of serious problems.