I simply do not have the time to wait around for another four electricians to tell me I need something I don't because they either can't or won't correctly interpret the rules.
You don't get it, which is quite understandable if you don't have a copy of the regulations to look at.
There is no "interpretation" involved. The relevant regulations are 522.6.6 & 522.6.7.
522.6.6 begins "A cable concealed in a wall or partition at a depth of less than 50mm from a surface of the wall or partition shall:
(i)... or
(ii)... or
(iii)... or
(iv)... or
(v)..."
522.6.7 begins "Where 522.6.6 applies...." and is the one which calls for an RCD if the wiring is not going to be under the supervision of a skilled or instructed person if certain of the (i), (ii) etc are the ones chosen to deal with a cable concealed in a wall or partition at a depth of less than 50mm from a surface of the wall or partition.
But a cable on the surface of a wall is not affected by the regulation, because it is not concealed.
522.6.6 clearly does
not say
"A cable not concealed in a wall or partition at a depth of more than 50mm from a surface of the wall or partition shall:
(i)... or
(ii)... or
(iii)... or
(iv)... or
(v)..."
The purpose of those 2 regulations is to reduce and mitigate the risks of someone drilling or nailing etc into a cable which he cannot see because it is concealed in a wall or partition and which is at a shallow enough depth (<50mm) to make it likely that a drill or a nail etc would reach it.
So you have got an "electrician" who obviously just does not understand the purpose of the regulations he is "using" and who equally obviously just cannot read and understand perfectly clear, perfectly simple, and
perfectly unambiguous English.
Recommended or not, you have got an "electrician" who cannot read or understand the Wiring Regulations.
Good luck.