I have no problem with helpful advice, and it is helpful. I am sure there can always be improvements. But, for me without any further consideration of my electrics it is down to my appetite for risk (again).
Not read anything about any serious issues of granny charging, and there will be tens of millions of hours of that going on, including many houses without the latest RCD consumer units.
I believe my risk to be very, very low given the modern RCD consumer unit I have, and it pre-requisite to fail safe. That is preventative. My very loud smoke alarms dotted around the house could be considered as reactive.