The requirements of BS7671 (wiring regulations) do ask for circuits to be arranged so this is prevented.I would prefer the total safety of everything rcd protected and risk full blackouts rather than any of my family being on the receiving end of a live fault that doesn't disconnect.
I expect it would be expensive, but is there any reason why you couldnt fit a rccd or rcbo on each circuit to keep the protection level while not risking total loss?
You can fit RCBOs to each individual circuit depending on the consumer unit you purchase, the price of each RCBO will vary between £15-£35.
The other options are (sorry if covering or repeating already given info):
Dual RCD which will cover two banks of MCBs, which will allow you to dived circuits so power is available on either side and if one RCD trips the split side will offer power for lighting, either by sockets or the lighting circuit.
In well designed install lighting and socket circuits can be split, so both are available on each split of the RCD, if one RCD trips.
You could also consider boards that offer both the facility for RCD protecting a bank of MCBs and individual circuits protected by RCBOs.
If you are considering an upgrade to a new RCD protected board whether it be by RCDs or RCBOs, it is advisable that you have your existing installation checked out via a electrical installation condition report, prior to the change over as suitability most be confirmed and any faults that could cause and imbalance in phase and neutral most be eradicated first.
Also there may be the possibility, that even split lighting circuits in older properties have shared neutrals.