Let us know how you get on. Its a good job you did not mention any outside lights,,, eeek
I promised an update after mulling over the advice (and trying to get a few more measurements).
I decided to follow the idea of a N-E fault. I did it all at 250v because I didn't want to try to unplug everything, even though (of course) I'd got all the power fully off. So one-by-one I pulled the neutrals out of the busbar, flipped off the MCB for the same circuit, and did N-E IR measurements. I was hoping to find a short somewhere (I'd already pulled the fronts off almost every faceplate) but in fact I found nothing really wrong. I found the kitchen ring measuring only 5Mohm, the downstairs ring at 7Mohm and the garage at 14Mohm. The rest were at >200.
So I investigated those three circuits a bit further, with some issues that I have now fixed. In the kitchen the offending appliance was the TV. Although only a class2 device (no earth wire) there is significant leakage and it turned out to be via the aerial wire. I suppose there is a lightning protection circuit that discharges into Live/Neutral...
In the garage, it was the lighting circuit with the issue - two old fluorescent battens (old = age of the house? i.e. 28 years?) They looked ok inside but I assume it's the magnetic ballasts that are leaky so I decided to just junk them anyway and I've replaced them with IP66 led battens.
Based on your advice re: outside lights I decided the two that I had installed when we moved in 8 years ago were probably past their best, so they've now been replaced with decent IP66 fitments and led bulbs.
While checking out the faceplates I had to wait for the laundry to finish but I then found the plug for the tumble dryer was rather warm. I couldn't be sure if it was the plug or the twin 13A socket so I replaced both - but where do you get a decent 13A plug from nowadays? I used to use only MK which were so well-designed - those nylon fingers in place of a cable clamp, all the wires cut to same length, nice captive washers on the screws, ... Seem unobtainable now so I chose an MK Duraplug but it's just not the same.
And while I was doing all this stuff I decided to add another USB 2-gang 13A socket in the kitchen - I chose MK again (at vast expense) but one of the screws was seized so it went back for a refund and I'll do without it for now. Who's best nowadays - it's not MK...?
So that left the downstairs ring with 7Mohm to be investigated. To be honest I haven't done anything about it because considering all the electronic gear that's connected (including surge-protected strips for the computers, a couple of TVs, broadband stuff, etc) that it's probably just normal.
And I can add to the story that, touch wood, I've not had the RCD trip out since October 30 which is before I started all this investigation. I'll keep my fingers crossed, and maybe save up to have the CU replaced, using RCBOs, but I suspect we'll be talking close to 4 figures for the cost. I'm fully confident in the state of all the circuits now having inspected more thoroughly than ever before and having made several improvements. Perhaps when the next EICR is due (and depending what the results are) will be time for me to make the decision.
For now I just want to thank all of you who have steered me in the right directions. It's been great to have a set of experienced professionals to guide me.