I know full well that the regulations say you must have them.
My response was to Lectrician's "I hate folk using RCDs where they are not necessary". An arbitrary and unjustified regulation doesn't make something necessary.
So we pick and choose? Unfortunately if this is the case each one of us would find something else unjustified, so who is right? those who don't like RCDs or those Who don't like to install fire and sound rated down lights...
The financial temptation is huge RCD/RCBO against CB, testing and certifying the installation takes time and can be quite hard work, someone can say, I know that it is ok, I did it! so testing is not necessary for him?
I see the regs as the minimum required, and try to do better if I can, you do not have to agree with me but the only way we all will keep to the same standard is that we all follow the regs.
I am sure that the big majority of the people in the forum follow the rules
and comply with the regs, I believe that it is just expressing an opinion.