Yes, I like the idea of individual RCBO protection - but it is a costly alternative.
Conversely, I don't encourage the whole installation to be covered by a single device; I go for split-load boards ( usually 5+5 way) and put critical things on the RCD - the rest I don't. Normally I'll have power circuits covered, and also lighting in bathrooms + of course any external devices.
If hindsight were foresight, we'd all be millionaires!
