We should not design installations we anticipate will be overloaded, but we have to consider the possibility that people will use an installation in ways the designers did not anticipate. One of the functions of overcurrent protective devices is to protect the installation against overloads caused by unanticipated usage,The total of the 'ratings' of MCBs/RCBOs in a CU will nearly always be considerably greater than the 'rating' of the main switch - but 'so what?' ! Much the same is true of the situation when the MCBs protected by an RCD 'add up' to al lot more than the 'rating' of the RCD - but, again, "so what?", given that the final circuits are never going to all be loaded to anything like the total ratings of their OPDs.
While it's not normally listed as such on the circuit schedule, there is effectively a "circuit" consisting of the tails, isolators, busbars RCDs etc between the main fuse and the OCPDs. I see no reason why the components in this circuit would be any less deserving of protection against overload than any other components in the installation.
Earlier editions of BS7671 required overcurrent protection for cables, but had a blind spot around switches and RCDs, the 18th edition has apparently tried to fix that, though was somewhat ham-fisted reffering to manufacturer guidance. The manufacturer guidance seems to be that the RCD rating should be based on the lower of either the upstream protective device, or total downstream proective devices.
