My thinking is exactly the same I cannot understand why it didn't work as it shouldI am gas safe and electrical, FWIW, indeed the Hive 1,3 terms are supposed to be NV contacts, which you use to control the thermostat connections inside the boiler.
On the face of it i cannot see where this would not work.
The BG guy probably didn't like the cable from FSU to Hive and then to boiler, but thats just semantics.
Its also possible you were very unlucky, its not clear whether the PCB blew on call for DHW or whether than just coincided with a call for CH,
Either way you either wired it wrong, i.e. not as you have described or you were unlucky and the PCB blew because it had been powered down. It really does happen (alot)
Assuming it was wired correctly the only thing I can think caused the problem was having the 240v and 24v in the same cable and a higher voltage was induced onto the 24v side than it could cope with
Experience and having seen it before counts for a lot and I agree with you it happens occasionally and all you can do is learn from it and carry onBG guy can report if he wants but you are authorised to make those connections, so gas safe / HSE will probably ignore.
I understand why you may wish to avoid boilers, for me, if that happened i would have simply replaced the PCB, re-tested appliance and moved on.
It may be worthwhile, if you want to connect Hive's and the like, to know a gas safe buddy who you can call under these circumstances.