Interesting discussion. On the subject of coding:
BS7671 does a reasonable job of telling us how an installation should be. It doesn't, IMO, do a very good job of telling us why an installation should be like that, and what dangers result from a particular non compliance or defect. The chapter on periodic I+T can be read in about one minute. Regarding RCDs for additional protection, it tells us we should code a minimum of C3 (guidance from model form). Other than that, it offers no more guidance on coding, leaving it totally up to the the inspector to decide. This is why I think guides such as BPG4 and codebreakers are necessary.
Codebreakers seems to take a bit of a bashing for coding too harshly, and, while I don't code to the book myself (I prefer BPG4), I do wonder if the criticism is a little unfair sometimes.
For example, I believe codebreakers offers a C2 for lack of RCD protection to cables passing through walls containing metal parts, and for cables buried in walls <50mm. These are both C3s in BPG4. However, there have been deaths that would have been avoided had RCDs been in place for the above circumstances, so I can kind of see why codebreakers is offering a C2.
Also, coding can be confusing. Lack of supplementary bonding in a bathroom, C2. Lack of RCD protection to bathroom circuits, C3. Add RCD protection to the bathroom, and the C2 goes away. So how can lack of RCD protection not be a C2? Difficult logic to get the head around sometimes.