If the RCD short circuited then the prospective fault current could be thousands of Amps.If there's a 20A MCB in the 2 way CU then how can the tails be subjected to an overload greater than the rating of the MCB?
In other words, the MCB is your overload protection and the tails are fine.
Think of an 800A busbar chamber with a few 32A switch fuse isolators fed from it. Would you expect conductors rated at 800A to be terminated into the 32A switch fuse?
Agree to a point about a busbar chamber but the small tails would or should be mechanically protected.