A consumer unit can only contain items it was type tested with, so likely the doorbell transformer and the down light transformer will not be permitted in a new consumer unit, in fact should not be in the old one.
I live in Wales, so no idea of labour charges in London, but labour will cost more than the consumer unit, so it makes sense to fit all RCBO's type A, as to AFDD that's a matter for discussion as to date as far as I am aware, there is no way to test if a fault is the device or a real fault, we all have testers for RCD/RCBO but the AFDD we are in the lap of the gods.
Next is risk, talking about risk of something going wrong. When I had a new consumer unit, I agreed to sort out any problems with the installation, so no EICR was done, and I was left with a problem on the lighting due to borrowed neutral, which I corrected, but with any job, not only electrical, they may highlight faults which no one realised were there.
So the safe method is an EICR first, then no surprises, but after completed the electrician has to do it all a second time, so one could take the attitude, if it needs fixing, it needs fixing, and I don't need to know cost before anything is started, or one may feel one needs to know exactly what you need to spend before you start.
Basic either you pay by the hour, risk is yours, or pay by the job, risk is the electricians. When I needed more labour I always paid by the hour, not by the job, that why I was employed as an electrical engineer. But to pay by the job, the electrician needs to visit first, and work out how long it will likely take him. Can't work that out on a forum.