In days gone by, we would fit grid switches as freezers did not have an internal switch to defrost them and washing machines could go walk about if the weights came loose, and we are instructed items must be isolated elsewhere before working on them, so there is a need to isolate the boiler before the heating engineer does any work on it. However, in practice I note my guy works live.
For a portable appliance, the fuse in the plug protects the cable, this allows the use of thinner cable, however with a fixed appliance the manufacturer can stipulate what they want, be it a semiconductor fuse, a type A RCD, a MCB or a simple BS1362 fuse, it is their call.
In the main we aim to supply the whole of the central heating from one switched FCU or batteries, there are exceptions, like Nest Gen 3 thermostats often powered by a USB outlet, but this makes supplying the heating from UPS a bit of a problem, so we aim for just one common isolator for all the central heating.
The building regulations do stipulate heights of items needing manual manipulation and reading, it is claimed to be for the disabled, but easy for a wheelchair user to reach the floor, but to reach the wall at the back of a counter is rather hard, so the rules don't really make sense, and in Wales work in a kitchen is notifiable but not in England, so it all gets rather confusing.
We have Part P, L, F, and M which can all affect what can be done. And also BS7671 with is actually not law, but can be used in a court of law.
However, if some common sense is used, and the home is not rented, who will ever know if you don't comply with all the regulations and laws? I am sure we all break laws without even knowing we have done so. If renting OK then you have to be a lot more careful, but owner occupied, who will catch you?