According to the EAWR regulation 14 it’s ok as long as certain precautions are taken
Besides how would you ever get a ZE or PFC/PSCC without working live?
I appreciate what you're saying but live working and live testing are two different things.
People of quote Reg 14 EAWR to justify live working but you would very rarely meet the conditions of it. It justifies live testing because you need it to be live and you have suitable precautions e.g. Training, GS38 leads and PPE etc.
You will never justify changing devices live in a DB unless it was for example, a distribution board in a hospital with other circuits supplying life critical equipment. You would also have a very well documented method statement, risk assessment and likely an Authorised Person involved.
The main reason is usually financial, e.g. they don't wish to pay for out of hours working to isolate a DB just to replace one MCB or RCBO so would rather work live instead. Money over safety. That would never be a defence if it went wrong as it is not unreasonable in all circumstances for it to be dead.
Work on or near live conductors
14. No person shall be engaged in any work activity on or so near any live conductor (other than one suitably covered with insulating material so as to prevent danger) that danger may arise unless–
(a)it is unreasonable in all the circumstances for it to be dead; and
(b)it is reasonable in all the circumstances for him to be at work on or near it while it is live; and
(c)suitable precautions (including where necessary the provision of suitable protective equipment) are taken to prevent injury
It is not a criticism of you in any way and I appreciate the real world pressures we are put under to get things done. 99.9% of the time you will probably get away with it but if it goes wrong you very likely won't have a defence.