There was another thread that brought up the "lollipop circuit" where something like an unused cooker feed has a kitchen ring final circuit added to it, and my issues with that were not the concept (as a garage CU with ring is much the same) but this issue of testability and documentation (or the likely lack of) to determine its existence and to have access to the ring ends for testing.
Testing this actually isn't as bad as it might first appear.... you can break into a ring for performing the continuity and fig8 checks at any point on the ring, so you can measure and record r1, rn and r2. Using the L-CPC cross link stage of the fig8 test you can establish an R1+R2 value for the ring portion of the circuit, and if you can find it, you can carry out an R1+R2 check on the feeder cable. If you can't find it, you can at least confirm R1+R2 from any point on the ring fed by the cable, sum those two and you have the R1+R2 for the circuit (you can also get someway to locating the feed into the ring - link L+CPC of the feedcable at the CU and then look for the lowest R1+R2 values on the ring), thus you can carry out the required continuity tests. IR is easy as is Zs. So, I don't particularly see testing a lollipop as the issue. I would say the documentation is the key, in particular making a note of where the transition point is so it can be accessed if required. Problems arise here if it's not a maintenance free junction box and it's say under the bathroom floor, so if I was going to do this, I might bring them up into a double box with a blank plate on and use some MF connectors like the Wago 221-613 lever connectors which can accept cables 2.5-6mm, then make a note of this on the certificate for the works, or even leave a sticker on the inside of the CU.
@SparkyChick grading it as a C2 but equally it is not explicitly against any regulation that springs to mind (beyond good workmanship) and it is not "potentially dangerous" in the strict sense so it could easily be coded C3 as a result.
Just to be clear, I would code a ring final with any form of interconnect (either between the legs or different circuits) as a C2 and that scenario is against the regulations. The situation in the original post with two well formed rings connected to a single breaker, that would be a C3 for me, possibly an FI if I wasn't easily able to establish separation etc. In reality however, if I came across it on an EICR and I was able to prove they were both separate and safe and I had a breaker to hand, I'd probably just put a new breaker in the board and move one of the rings to the new MCB and record what I found and what I did on the certificate.
In software engineering there is something known as the "principle of least astonishment" which has it that anything behaving in an unexpected or unconventional manner is bad practice. We really need something equivalent in the wiring regulations:
en.wikipedia.org
Having been a software engineer for over 20 years, I must admit that's a new one on me. The problem with trying to have the regs cover all eventualities is it would be a significantly larger volume and navigating it would be a nightmare.
The regs set out the basic rules and you have to use your experience and judgement to make an informed decision.
Technically, 433.1.204 is pretty much the entire definition of how a ring final circuit should be constructed (it goes without saying you must factor in other elements of the regulations). If your ring circuit meets that, it's hard to argue it's unsafe electrically. From a convenience perspective it's a different matter and it could result in an unsafe situation in the event of a power loss, but electrically as I say, I think it's hard to argue it's dangerous.
I think what this thread has thrown up is there really ought to be some regulation to cover issues of unconventional arrangements, inadequate documentation, or insufficienct access to cicuits junctions that present an issues for unexpected behaviour or inadequate fault coverage when testing.
The regulations do cover all of these things, just not directly, so as above... it's down to your skill and judgement to determine whether what you're presented with is acceptable or not. We're all agreed we'd never install like this, not because it's electrically unsafe but because it could present a danger in other ways and because it is unconventional.
On the subject of documentation, I just look at it like this... if I got called out to one of my jobs, what information beyond the test results would help me and I generally stick whatever I think of on a generic continuation page and/or produce diagrams. I also try and think ahead a little during the install and maybe have designated areas for junction boxes (Typically Wagoboxes) and I record those.