You are correct, Kirchhoff's circuit laws only apply when the lumped circuit approximation is valid and one of the assumptions of the lumped circuit approximation is that no charge accumulates in the conductors connecting the circuit elements.
However, in case there is significant charge accumulation in the conductors, circuit theory can easily account for this by modeling parasitic capacitor(s) at the appropriate points in the circuit.
But is not that exactly the case with any conductor connected to a capacity?
Usually the charge accumulates significantly only on the "plates" of the capacitors. These are considered part of the capacitor element and not part of the interconnect wiring, so charge accumulation here presents no special issue in terms of using KCL to solve a circuit. The charge that accumulates on the capacitor plate is simply accounted for as a current in or out of the capacitor element.