Ask away, all questions are legitimate. Sometimes we all ask things and then realized we knew the answer all along
. Just confirming what we think we know. The MCB is overload protection, the RCD is earth leakage protection.
If you had a run out to a garage protected by a 20A MCB in the house consumer unit then [in simplistic terms] all that can be drawn down that cable is 20A. If you fit a garage consumer unit with a RCD rated @ 100A and a 16A breaker for sockets and a 6A breaker for lights it doesn't matter. You can't suddenly pull 22A (16+6) because the MCB in the house won't let you.
Make sense?