I obviously cannot argue with your experience, but I've seen it a lot. It's also what one commonly sees being advised here, with OPs often being quizzed as to why they feel they need a CU in a garage (rather than just a socket or two and an FCU for the lighting).
I have seen this too, but it's not the best design. We cannot guess at what the sockets will be used for, but the garage CU would offer a better chance of reducing the effect of a fault in the garage.
As I said, I've personally seen it a lot, have seen it being advocated a lot (in this and other forums) and I've seen many cases of it being done like this by electricians.
Perhaps more to the point, it is the
only approach discussed in the good (and very often cited) article on electricity supplies to garages and outbuildings in the Autumn 2005 edition of IET's "Wiring Matters".
They discuss and describe two options, one where the supply has it's own supply from a dedicated MCB in the house CU and the other in which the garage is spurred off a house ring - but neither involve a garage CU. I don't pretend that the IET is divine or omniscient, but would they really publish a lengthy article describing something that was uncommon and 'bad design'?
As you say, it obviously depends a lot on anticipated usage and load - but for the great majority of garages, which require just a light and a socket for occasional use for, say, a lawn mower or battery charger, I personally think (as, seemingly, so do the IET and many others) that it is a perfectly reasonable design.
Kind Regards, John