... and the 20A MCB protecting the feed to the garage will eventually trip if the total load on garage sockets is markedly above 20A.
Did you mean 27A (ie. 2.5 mm² Method C), rather than 22A?
Quite honestly, in the case of a 2.5 mm² Method C ring, I think that 27A is so close to 32A that, except in exceptional circumstances (knowledge about likely very large long-term loads) that my feeling is that all this concern about overloading the short leg of a ring with a load applied close to one end of the ring is probably not really necessary.
Kind Regards, John