I don't think you're right about 'prescribed zones' etc.). As secure suggested (and you disagreed), even in Amd2 a combination of 522.6.202(ii) and 522.6.204(v) means that buried and 'unprotected' SELV and PELV cables do not have to be in 'safe zones'. Is that not correct?
Some of the things you mention make sense - for example, any cable, no matter what it is carrying, can be a problem if it collapses in a fire and/or impairs escape routes (and the same can, of course, be said for plumbing, structural elements and even things like curtain tracks).
However, I think that, in general, the answer to my question is probably not that straightforward, since, even given 110.1.2, I don't think the fact that a regulation BS7671 'requires' something can (given that the regulations are not 'exhaustive' in considering all possible situations) necessarily be taken to mean that the requirement relates to any cable/circuit, even if SELV/data/whatever (or even DC), can it?
To take just one example (of what I suspect are many), and sticking with 522.6.202, it would seem that, if taken literally, this regulation requires that a cable buried within 'safe zones' which is carrying LV (not ELV) and which does not have an outer earthed sheath/whatever or mechanical protection has to be RCD-protected, even if the "LV" it is carrying is DC!