In the UK, we're getting very close to current regs requiring RCD protection of everything, but given that these requirements are not retrospective, it will be a very long time before that is reflected by by what one sees in all UK installations. However, in relation to what you say, to repeat something I've talked about many times before ........ While it may not be necessary to protect "workers" on "Lighting Only" circuits in this way, unskilled workers have been electrocuted in this country by inadvertently coming into contact with non-RCD protected Lighting circuits. This caused regulations to be changed to require RCD/RCBO Circuit Breakers on all (new/altered) final sub-circuits - including lighting only circuits. .... No doubt it will take a few similar deaths in other countries before the regulations are changed in those countries.
... I am yet to be convinced of the effectiveness, particularly the ('impassionate') 'cost-effectiveness' of RCDs (or RCBOs) in relation to the prevention of deaths (and probably also serious injuries). For many years, I have been asking (here and elsewhere) people for reports of occasions on which someone has suffered (and survived) an electric shock which has tripped an RCD/RCBO - since those are the only case in which they may have died in the absence of an RCD (i.e. the RCD 'saved a life'). However, I have so far heard of almost no such occurrences.
In terms of 'cost effectiveness', I observe that the very widespread purchase and installation of RCDs/RCBOs has cost an awful lot ('billions') and that the same amount of money spent on other things (road safety, reduction in violent crime, illicit drug use etc.) would probably have had the potential to avoid far more deaths than is the case with installation of RCDs/RCBOs. In the UK, the number of deaths due to domestic electrocution in a year is appreciably less than the number of deaths on the roads, or due to drug abuse, in a week, and not much less than the number of murders per week.
That does, of course, not mean that RCDs are incapable of 'saving lives'. However, their greatest value is probably not in operating at the time of a shock but, rather, in resulting in the clearance of an L-E fault (of too high an impedance to cause an OPD to operate) before anyone gets a shock - but it is essentially impossible to get any statistics about that. However, I would imagine that (in TN installations) most L-E faults are of sufficiently low impedance to be cleared by an OPD, so RCDs/RCBOs probably don't make all that much difference.
True, but there is also the inconvenience (with a standard RCBO) of not knowing whether it has operated as a result of over-current or residual current - some sort of 'flag' to indicate that would be helpful. Another issue is that, at least in the UK at present, the great majority of RCBOs are single-pole, which introduces a few issues.While the cost of RCBOs on each and every circuit is still somewhat higher than having RCDs protecting several circuits with MCB overload protection, the difference is not very great and there is the convenience of knowing which circuit has activated any RCBO concerned as compared to not knowing which circuit has caused an RCD, which is "protecting" (the user of) a number of MCB protected circuits, to trip.
Kind Regards, John