says-les,
I am fully aware of the points you raise, I'm not following your train of thought though.
In a basic installation such as a domestic dwelling, then an RCD will almost certainly be required these days.
It seems that you are not advocating the removal of the over current protection, OK.
However, fitting of an RCD is additional protection IMHO, it is not a replacement for basic circuit design & construction in compliance with BS7671.
Ipscc will only ever be less than Ipefc on a single phase installation though remember.
Yes it is "possible" to have the L-E loop less than the L-N loop, I've seen this many times on a site that I do a LOT of work on as there is a LOT of steel around and in the ground, thus hundreds of parallel earth paths back to the local Tx, which is within the steel frame of the building.
On this site it is not possible to measure Ze even with a black building, it is only ever possible to measure Zsdb at the origin, & the DB is not much like a DB either!
RCD's are additional protection, Zs should be within that required for ADS in BS7671 for the "mcb" for competent design.
IF this cannot be achieved by conventional means then the last resort would be to move to RCD protection due to their inherent lack of reliability.
It's just like this damn fool idea that seems to be going around these days, that 2 core SWA is no longer allowed i.e. no SWA as a cpc, or that a separate cpc must be run with an SWA.
BTW says-les, this last comment is not aimed at you!