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lynx-
If you have an RCD any electrical fault that might lead to electrocution and death will usually trip the power without harm. I wouldn't want to live somewhere that didn't have one covering all circuits. This especially applies if you're prone to DIY or electrical tinkering.
One RCD for the whole flat is just as effective as RCBOs. It just depends what there's space to retrofit.
grams
Technically you are supposed to have RCD protection on any circuit that has a plug socket close to an external door. Fitting an RCBO to those circuits is an easy way to achieve that.