With respect the whole of my comments have been based on the presence of N-E voltage and a N-E fault and even described the fault.
I don't think we really have much of difference, hence there is not really any need for either of us to feel/behave 'defensively', the issue being that we have probably confused each other little.
As per what I quoted, my initial comment focussed entirely on the first sentence of what you wrote, namely ....
N-E has over 1V so some potent ial for tripping
... which appeared (but probably was not intended to be) a very general statement.
For a start, at least in my personal experience, a 1V pd between N and E is pretty low for a non-TN-C-S installation, so I was a bit confused by the fact that you seemed to be implying that it was fairly high (well, that's how I interpreted your statement). Secondly, like, as I suspect, many/most people, I tend to think of RCD trips primarily in relation to L-E faults (lets face it, a good few people don't even realise that N-E faults can cause trips), so it seemed that you were suggesting that such trips were more likely with a 'high' N-E pd - which I don't believe is the case (but something which I now realise you were probably not intending to imply).
In passing, although I didn't comment at the time, I was also rather confused by what you went on to write, namely ....
... It didn't take long to find a very low resistance between N&E on the garage circuit and heading out to the garage somewhat surprised to find it powered, contact with the immediate neighbour soon established the mix-up (and for that matter isolated the wet light fitting).
I can but presume that the chronology of events was different from what seems to be implied by the way in which you have written that - since I can't see how you could have discovered that there was "a very low resistance between N&E on the garage circuit" before contacting the neighbour and hence finding a way of isolating the circuit. Is that correct?
There remains one thing about which I am rather confused. The argument you present (and with which I do not disagree) would seem to imply that RCD trips due to N-E faults ought to be very unlikely (if they happen at all) in TN-C-S installations - but I don't think that is the case. The N-side of the RCD in a TN-C-S installation is effectively between the (within-installation) N and E - so, given that the (within-installation) N & E are joined together, usually very close to the RCD, one (at least I!) would not expect an N-E fault on the circuit to make much difference to anything (unless there were some very large N current somewhere within the installation). What am I missing?