Yes, I have throughout said the load side conductors should be "disconnected" when testing an RCD - either by the hazardous task of unscrewing - and by opening switches.
Indeed, and I have been saying essentially the same - but I did allow me to get confused by Jupiter's reference to 'disconnecting fromthe busbar - which as you say, is never needed, since switching off all the MCBs achieves the same.
I've also possibly introduced some confusion because I was at one stage in the discussion talking about eric's suggestion of testing an RCD 'with all loads connected'. As I said, that sounded (to me) to be a bad idea, because it could result in the 'passing' of an RCD which was actually faulty, in the 'dangerous' direction - i.e. because, tested in isolation, it would would have required more than 30mA to trip it.
Moving away from eric's suggestion, I have said that, if one
has switched off all the RCDs, there is theoretically no need to disconnect the load-side neutral of the RCD if one is 'certain' (e.g. from IR testing) that there is no N-E fault. However, even if one
doesn't have that certainty (e.g. have not done IR testing) but nevertheless leaves the neutral connected, that could
not result in an incorrect result in the 'dangerous' direction (i.e. 'passing' an RCD which, if tested in isolation, would require >30mA to trip it) - the 'worst' possible erroneous result being that one might 'pass' an RCD which would, alone, trip with less than 15mA residual current (which isn't really a 'safety' concern).
Kind Regards, John