You do make a good point about power cuts and I have a battery backed light for the stairs.
So with emergency lights there is no need to split into circuits for safely lighting.
Of the 6 reasons to split into circuits only
(iv) reduce the possibility of unwanted tripping of RCDs due to excessive protective conductor currents produced by equipment in normal operation
really says we may need more than one RCD and that only to counter the collective leakage with one RCD causing it to trip. Clearly with caravans and boats all goes through one RCD so why not with a house?
But simply
(i) avoid hazards and minimize inconvenience in the event of a fault
means we need more than one circuit
314.2 Separate circuits shall be provided for parts of the installation which need to be separately controlled, in such a way that those circuits are not affected by the failure of other circuits, and due account shall be taken of the consequences of the operation of any single protective device.
Working out what needs to be separately controlled is not cut and dried but for a fault in the house to affect garage or garage to affect house I would consider does not comply.
314.4 Where an installation comprises more than one final circuit, each final circuit shall be connected to a separate way in a distribution board. The wiring of each final circuit shall be electrically separate from that of every other final circuit, so as to prevent the indirect energizing of a final circuit intended to be isolated.
I can't see that having a garage on the same RCD as the house never mind the same MCB complies. To me the garage should either be a MCB with SWA feeding a RCD in garage or a RCBO feeding garage.
There have been discussions as to if "protected against overcurrent" includes exceeding 30 mA or not? With a voltage device clearly 50 volt has nothing to do with current so a ELCB-v will not form a circuit. We tend to continue with new devices even retaining old names so a switched mode power supply feeding a 12 volt bulb is still called a transformer. However a RCD does measure current to and from a system and if the out of balance exceeds 30 mA it auto disconnects so once the current difference goes over the limit it operates so one to my mind must consider it as falling into the broad description of an over current device.
So with a house with two RCD we have two circuits. However these are not final circuits 314.3 and 314.3 deals with final circuits so does not include the RCD. They would include RCBO's however.
"due account shall be taken of the consequences of the operation of any single protective device" means risk assessment, not necessary written but some one must assess the risk to occupants of house if a action in garage causes the MCB or RCD to trip and vice versa.
With any risk assessment we have to consider the number of times it is likely to happen. So major power cut maybe once a year if that. Tripping RCD at least in my house more like once a month.
There is clearly no 100% answer it is down to some one who has assessed the risk. With commercial organisations the HSE requires all health and safety items are in writing. It could be email, SMS or paper but it must be in writing.
So requesting the written risk assessment to the likely risk to house or garage users when the others actions have caused a break in supply is a valid action. Some one has to in writing explain why they felt having garage and house on same breaker and also in garage lights and socket on same breaker was not going to create an unacceptable risk. However of course that request must be in writing same rules apply heath and safety requires everything in writing.
Clearly the answer must be in writing and this will cause a problem for the builder he has to give a written reply. Should any one be injured as a result of a power cut then this written replay could be presented to a court of law.
So although one can't 100% say there actions are wrong you can make it so they have to think carefully about it and decide is it really worth their while no to have a separate supply house to garage.