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No Eric, you do not take a chance, you test appropriately first.
I am not against using a clamp meter they can be quite a useful aid, however a 1mA resolution does not imply 1mA accuracy I`m afraid, still cvarry out appropriate tests with appropriate test gear as per C & G 2391 etc.
Yes I favour RCBOs one per circuit as you suggest - some point out it will not insure your total leakage per installation is not exceeded but neither will no RCD present as per rewireable fuses/plain MCBs either . Like you I would prefer not to fit a dual RCD board and favour RCBOs as stated (and I come from a time when an up front RCD was the single option really).
the "Borrowed Neutral " on lighting is usually the "Old Chestnut" that makes frequent visits upon us but the installation really should be tested first.
Yes caravans usually have a one RCD scenario .- in fact a one and one (one at the supply end and one in the caravan really).
So an "Emergency CU Change" negates testing for safety does it? No - You can always put some temporary lighting and power in if need be then do the testing of the dead existing tomorrow before the CU change.
Normally I don't carry lengths of festoon lighting and numerous extension leads, which have their own SAFETY issues, by the time I had done all that the new CU would have been fitted and tested. Leaving vulnerable people without adequate power and light overnight is not my idea of "professionalism"