It's not that someone might wire them by mistake with too small a cable.I really don't see that the fact that someone might connect them with cables of an inadequate CSA is a credible reason for 'forbidding' (or regarding as 'potentially hazardous') the connection of an earth electrode to a TN-C-S earth (which is what we are talking about). By the same logic, you would 'forbid' sockets, cooker, shower circuits etc., on the grounds that someone might wire them with 1mm² cable.
It is usually the reason for TTing a location so that a large bonding conductor does not have to be purchased.
...but you cannot connect the electrode without connecting the extraneous-c-ps - one of which may be a water pipe similar to yours.In any event, in what you say above, the connection to the earth electrode is not the issue. Very few domestic earth electrodes would have an impedance anything like as low as 20Ω, and even at 20Ω, a 1mm² conductor would be more than adequate (CCC-wise). Is the connection to other (possibly low impedance) extraneous-c-ps that could be of inadequate CSA, and hence potentially hazard, but that has got absolutely nothing to do with whether is is allowed/safe to connect an earth electrode to a TN-C-S earth.