From the gateway perspective, there are two features that matter: Office Mode and Desktop Policy.
Office Mode uses either MOB (includes legacy SNX licenses) or EP (SBA, CPEP-ACCESS, or legacy SecureClient) licensing.
The number of Office Mode addresses you can use is the sum of your MOB and EP licenses (they are additive).
So, for example, if you have 200 MOB and 50 EP license, your gateway can issue up to 250 Office Mode addresses.
Desktop policy for a Remote Access user is an EP licensed feature.
This is a function of two things: the client variant installed (SNX, SecuRemote, and Check Point Mobile don't have a desktop firewall, Endpoint Security VPN does), and the required policy you've configured.
I suppose you could run into a situation where more than X users decide to install as Endpoint Security VPN than you have licenses for.
Offhand, I'm not sure how you'd troubleshoot that precise situation.