When you are changing a CU the circuits that you connect to the new CU must be safe to use, you have to make a competent assessment of the circuits to determine this.
Lowering the OCPD for the downstairs ring may, if the customer has a lot of high power appliances on the downstairs ring (such as if it is also the kitchen socket supply), approach a problem with the MCB tripping out on overload, but this is not likely as one can also have 20A radial circuits, for instance. It would require an assessment of likely loading on the ring.
You are going to need to see the connection to the garage to ensure it is safely connected. Testing may help you determine how bad it is to start with.
This advice from the ESC Best Practice Guide 6 may help you assess what you can do
Consumer unit replacement BS7671 compliance:
5.1. Replacing a consumer unit in an existing installation is an addition or alteration to that installation. The work must therefore be designed, erected and verified in accordance with the requirements of the current edition of BS 7671, and must not impair the safety of the existing installation. (Regulations 110.1(xx) and 610.4 refer.)
5.2. BS 7671 does not require existing circuits to be upgraded to current standards in order for them to be connected to the outgoing ways of the replacement consumer unit.
5.3. However, circuits that are defective or noncompliant with the requirements of BS 7671 in a
way that would result in real and immediate danger must not be connected to the consumer unit.
5.4. Where a consumer unit is being replaced, additional protection by means of RCDs in accordance with
Regulation 415.1 should be provided to the extent required by the current edition BS 7671, such as for:
• socket-outlets (Regulation 411.3.3 refers),
• mobile equipment for use outdoors (Regulation 411.3.3 refers),
• cables concealed in walls or partitions, where required by Regulations 522.6.6 to 522.6.8, and
• circuits of locations containing a bath or shower (Regulation 701.411.3.3 refers).
5.5. Circuits that are to be provided with RCD protection must be divided between a sufficient number of RCDs or otherwise designed as necessary to avoid hazards and minimise inconvenience in the event of a fault (Regulations 314.1 and 314.2 refer).
5.6. The consumer unit must not be replaced until it has been established that:
• the rating and condition of any existing equipment, including that of the distributor, will be adequate for the altered circumstances, and
• the earthing and bonding arrangements necessary for the safety of the alteration or addition are also adequate. (Regulation 131.8 refers.)
5.7. Any defects found in the reconnected circuits must be recorded on the Electrical Installation Certificate covering the replacement of the consumer unit, as required by Regulation 633.2