It is always good to think Push but I'm not sure your using the R1+Rn correctly, if I'm wrong I apologise immediately.
I know that the usual context of R1+Rn is when checking continuity on a ring final circuit, but it is this value along with the loop impedance external to the property that will reponsible for determination of the fault current that will flow if a short occurs at the most distant part of the circuit.
As we know the RCD works by detecting the balance between the line and neutral. Whilst there is 230v going into the live side of the coil and as long as there is 230v coming out the neutral side we have that balance and non trip.
When a fault occurs, the fault voltage will try and take the path of less resistance which is our earth. As soon as this happens you will get an imbalance on the line and neutral side of the circuit and so on the RCD coil, as that voltage is now going down the CPC cable. Basically agree with what you are saying here but you are mixing up your current and voltage a bit. The rcd works on current balance with their magnetic fields cancelling each other. When their is a current leakage to earth the magnetic imbalance caused by the difference in currents causes the switch to trip.
As soon as all this starts in ohms law the voltage leaking to the earth CPC will produce a current or load due to the impedance in that cable, and at 0.03 amps the RCD will trip.
That is our fault protection . What it will not dected is an overload on a healty circuit. That means for instance a motor maybe rated at 10 amps but due to weak winding, or a start winding is wired as the run, and this then draws say 40amps, an RCD will not trip but a cb/fuse will. That is why the RCD can only be used as additional and not sole protection. That is why an RCCB or RCBO can be used as a sole means of protection as it encoporates both types of protection RCD and CB/Fuse. Basically agree with this - a large inrush current is typical on motor circuits hence the use of of the other types of mcbs or Gm fuses.