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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-
The electrics in this flat are shocking, the work was done by someone who claims to have qualifications and worked for national grid people. The plastic light switches were replaced with stainless steel faced one, and one was a little buzzy when you touched it. Took two days of searching to find that a chocolate block connector had been used and had melted.
Currently there is nothing modern, not even earth loop protection. Want to do it but, will the flat need a complete rewire, the whole system will have to be checked and I think it is dodgy. There is a LED lamp in ceiling light fitting that has a dim light when it has been switched off. Afraid to look in to that one.
lynx
Is there any point of goingful RCBO in a flat?