It is a personal option, the 1, 2, 3, 4, was replaced with C1, C2, C3, FI, LIM etc, because the old system it was said was misleading, the code 4 was does not comply with current addition as a new installation, and it was said that was unhelpful, as nearly every edition says from what date designs must follow that edition, so if designed before that date, then it complies. The current edition says so.
There are of course exceptions, where the intent is clarified. So for example we read "Every installation shall be divided into circuits, as necessary, to:
(iv) reduce the possibility of unwanted tripping of RCDs due to excessive protective conductor currents produced by equipment in normal operation" and many considered it was OK to have a load of MCB's fed from one RCD, it has been made clear now, it is not as simple as that.
However, the code C2 is "potentially dangerous" and the RCD tripping does not really cause a danger, so although a single RCD may not comply with the current edition, it does not cause a potential danger, so not code C2.
As to no RCD, I note after my solar panels were fitted, the central heating is not RCD protected, and this was just over a year ago. Clearly the scheme member electricians, who did the work, considered it was not required. With a rental agreement which prohibits any pins or nails being put in the wall, there can be no risk to tenants with buried cables not RCD protected. However, the electrician can't be sure it will remain as a rental property with that agreement, so some debate on buried cables.
However, there was a court case where an old lady inherited a home, and decided to rent it out, a fault was reported, and she immediately engaged an electrician to look at it, but he did not go straight away, and in that time the tenant brought a faulty oil filled radiators into the home, and the safety equipment in the home was not as it should be, so the combination of faults caused a death, it seems the landlady should have said sorry you can't move in yet, until the fault is corrected, the fact the tenant was aware there was a fault, it seems was not taken into account, and the fact that the tenants oil filled radiator was in part to blame also seems to have been overlooked, courts seem to want to blame the landlord, and they did with a huge fine.
So as a landlord you need to watch your back, and it is clearly prudent to have all circuits RCD protected, even if there is a way to show not required, and also if there is a fault, the tenant is not rewarded for doing without electric for the weekend, they will expect an emergency electrician to be called, if they have no lights or can't cook, they may accept a small fault say immersion heater not working until Monday, but not half the house being out, as owner-occupier we may muddle through, but not a tenant, so in the long run, all RCBO consumer units likely pay for themselves, in less call-outs, and call out during normal hours.
The EICR is more a watch my back thing, so you can stand up in court and say I had it all tested, and thought all was OK.