Since we are told we must fit two 30 mA at 40 mS RCD's in series with boats and caravans, can't really say it is wrong to fit two in series, even if a little pointless, you could always change garage one to 10 mA.
Fitting a 10mA RCD in the garage won't provide any discrimination with the 30mA one in the house - UNLESS it's a mild bit of leakage causing nuisance trips of a 10mA RCD. Any contact for which RCDs are intended to provide protection against would trip both as the current would be higher than the 30mA trip level.
Furthermore, if there is to be only one RCD (or RCBO) protecting the garage supply, it would (once in a blue moon!) be 'more convenient' for it to be in the garage.
I can vouch for the fact that it's 'kin annoying to have an RCD for the garage in the house. When my brother had a new garage built, the sparky had previously (at my brother's request) used all RCBOs in the house CU so at least only the garage circuit goes off. Unfortunately there's part of the run in the house that needs RCD protection or I'd suggest to my brother that he moved the RCD protection to the garage.
I went in the garage a while ago and found "no lights". Checked in the house and the RCBO had tripped and wouldn't reset. I tried turning off all the MCBs in the garage so I could reset the RCBO - but unless you are lucky to get a working light before hitting on the faulty circuit*, you simply don't get any indication whether the supply has tripped again. It was 'kin annoying to say the least
I'd say that's p*ss poor design.
* Yes, I know it's possible for a fault to trip the RCD even with the MCB to the faulty circuit off.
... second is we should not need to protect from some one braking the rules.
The problem is that most of the users do NOT know the rules - to them a cable is a cable and if the plug fits the socket then that's all that they need to know. So not so much people breaking the rules, but people ignorant of what the rules are that they could be ignoring. There is a balancing act between over-regulation, and under-regulation exposing people (not necessarily the same people as those ignoring the rules) to reasonably foreseeable and easily mitigated risk.
Put another way, if "Mr BIY expert" wires his own van with no RCD and has a fault - then other maybe not even associated with Mr BIY Expert could get a shock from the metal skin of the van. Similarly if he uses a non-RCD protected supply for a properly wired van (many people plug them in at home) and (for example) the cable gets pulled and the live conductor contacts some metalwork through cut insulation - bearing in mind that the metalwork (eg skin panel) might not be bonded sufficiently to ensure operation of overcurrent protection.