If they are wired per your diagrams then, yes, that is a potential issue - but are they usually wired like that? On the face of it, unless I'm missing something, the potential problem could be removed by connecting the resistor to the 'other side' of the "L switch" of the disconnector, couldn't it?
In passing, you don't seem to have responded to my comment/question about the 'wiring' of RCD test buttons.
A problem which I think is unavoidable (regardless of 'wiring') arises if the RCD fails to 'trip' as a result of pressing then test button. In that situation current will continue to flow through the resistor for as long as the test button remains pressed.
Yes it will thus continuing a source of energy into the trip mechanism