RCBO actually, but yes you are correct that they combine both functions. The big but there is that you need a non-RCD way in the CU and not all CUs have that option. Good luck finding a DP one (or more likely, DP switching with SP overcurrent detection) - they simply do not exist for most makes/models.Sooorrry I meant RCDO, like that which is protecting the outdoor sockets. My understanding is they give the best of both functions.
Yes, but there's always that option - someone can press buttons on the timer, or they could ...Switch AND timer?
The reason I'm uncomfortable about this is the 'idiot' factor. Switch & Timer in series makes it easy for 'someone' to deliberately or accidentally switch the rocker switch when the immersion is required and expected, leaving no hot water for those occasional very early mornings when I have to be on the road at 4 or 5am.
If you can't trust people in the house not to switch the immersion off when it should be on then you've bigger problems.
As to putting the switch in the garage, well that introduces a whole new scope for problems. As it is, my late father in law's house has the boiler in the garage and the electrics are really "bodged" in that BG simply spurred off from a socket, put an unlabelled "switch" (FCU) next to the socket, and it's nowhere near anything to do with the heating. When relatives were staying in the house shortly after he died, they found themselves without any hot water or heating when someone switched it off while trying to figure out how to turn the garage light off !
While it's too late now, it's occurred to me that you don't actually need a timer at all ! Unless the cylinder is really badly lagged, there's no penalty in just leaving the heater on all the time to operate on it's stat. Simple, hot water any time, no timer to fiddle with or get wrong.
Long gone are the days of "putting on the water" several hours in advance of wanting a bath
That's assuming no economy 7 like tariff - which you haven't mentioned and would have different solutions anyway.
As it is, if you immersion element fails in one of it's more common failure modes, you'll find yourself with several circuits in the house off - and unable to switch them back on. You have been warned. Without the DP switch on the immersion, my late FIL's house would have no heating, no power to the sockets, no power to the cooker, and no power to whatever else is on the RCD !