It is unlikely that any "ordinary person" will do electrical work and comply with the regulations. However "skilled persons" and "competent persons" also do work in their own homes which is of course classed as DIY. As already said the meters cost typically around £750 to buy and £75 to hire for minimum period of a week.
Even if the "ordinary person" had these tools there are some dangers in using them and I would be the last to advise "ordinary persons" to use them.
However we all know the "ordinary person" will attempt to do DIY and there are some things that can be done to minimise the risks.
These
are not really a replacement for the expensive meters but it will reduce the risk and at
£35 it does not break the bank.
The cheaper types
start at around
£12 but of course there is VAT on these prices.
It all comes down to a risk assessment and do you think it is worth the risk. Around 1990 I decided not having RCD's on all circuits was not worth the risk and I fitted them. There was no obvious gain in fact more than once they tripped out and I then also fitted emergency lights on landing and garage (where the RCD's are).
However my son did decide to become a Radio Ham at 14 years old and had I not fitted RCD's I may not have had a grandson now. But I will never know if the RCD which he did trip a few times really saved him or not.
I have nothing against DIY but one has to consider the risks. My father-in-law has never fitted RCD's and as he says he does not intend to do anything which will give him a shock. But he and me plus my son are now all electrical engineers and we understand the risks.
So think about it. From what you say you have no RCD protection, you by very fact you are asking the question are only a "ordinary person" who may at a stretch be an "instructed person" do you think on making an assessment it is worth the risk you get something wrong?