There are three limits to ring final or radial.
1) Current carrying capacity of cable.
2) Volt drop on cable.
3) Ability of the protective device to operate within the prescribed time with a short circuit.
The current carrying capacity has already been talked about. Of the remaining two, 3) is easiest so I will start with that.
A MCB is a combination of two devices, a thermal and magnetic trip, the thermal part is slow, and although it will trip in fullness of time, 40 amp on a 32 amp trip could take an hour. But more to point is with a short circuit it may not trip within the prescribed time. So the magnetic trip is fast, typically 0.01 second. But many items have an in rush when they switch on, so the magnetic trip is so many times the rating of the thermal trip.
So a B = 3 to 5 times, C = 5 to 10 times, and D = 10 to 20 times. So for a B32 MCB to trip within the time allowed with a short circuit it needs 160 to flow. So the impedance (resistance is called impedance with AC) using ohms law needs to be 230/160 = 1.4375Ω we allow 5% for safety so 1.365625Ω and we can either use inquiry, or measure, or combination, in the main we measure it with a loop impedance meter.
Now to 2) the volt drop, not easy as you need to work out the load, there is no hard and fast rule, but in the main we with a ring final assume 20 amp at centre and 12 amp even spread, this 20 amp with a 20 amp MCB on a radial is often also used at the end of a radial, as a result we normally look at 106 meters for ring final, and 32 meters with a 20 amp radial both using 2.5 mm² cable.
We are allowed 6.9 volt “lighting”, and 11.5 volt “other” and with a garage you already have some volt drop on the supply to the garage.
Very few times is the volt drop really an issue, fluorescent lights have been known not to strike, and I had problems with a shrink wrap machine, some old radios would produce a mains hum with excessive volt drop, and refrigeration units with single phase motors have been known to stall, this is why nearly every freezers says do not use an extension lead.
As an electrician we must follow the rules, last thing we want is to have to do some thing FOC because we did not follow the rules. As to how closely you need to follow the rules is really up to you, your not likely to take yourself to task as volt drop too high.
Even the 1.36Ω ELI, (earth loop impedance) as long as RCD protection is included, does it really matter? We can debate this, but with a TT installation 200Ω would pass, so although technically should be considered, I am sure many DIY people ignore it.
A B32 and a C16 will allow same in-rush. Also both require same ELI.
Personally I like the ring final, don't forget the word final, a ring circuit is very different, that allows a section to be isolated while maintaining the supply to all points. For a 100 amp supply we need around 0.35Ω but often it is a lot lower, unless work being done on the supply ring, and this has posed a question, if the supply is 0.25Ω should the limit be 1.26Ω to allow for it raising to 0.35Ω when the supply is being worked on?
Today with RCD's on all circuits it does not really matter, unless some thing stops the RCD from working, like DC with a type AC RCD. But are you really worried, likely not, however it does show why we use ring finals.
The cheap (£50) plug in testers pass at 1.9Ω one needs to pay around £200 to get a tester to measure 1.36Ω