the biggest risk of high current is shared conductive services, gas pipes etc. if your services are plastic then they wont be extraneous and can't introduce any high currents through anything, it'll jsut be your neutral & earth voltages that are high with reference to ground. rod will help but potentially not by much
you can't prevent a broken neutral happening, however if you make the system TT and you can reduce the risk - a neutral failure will still result in a high voltage neutral to ground, however the earth voltage will remain at/similar to ground as it doesn't have any link between it and the neutral
also worth noting that if you do have a neutral failure and your earth voltage does rise enough to give you a shock if your touching ground, your RCD will do nothing as it wont detect any fault to be able to trip (some RCBO's may trip because of the voltage difference line to neutral/earth though but not because of an imbalance)