The ground rod is normally locate at the garden. If the front yard is tile up whole place, than the tile already cover over it.

The earth wire lay directly to the DB. Doesn’t go through the meter side.

Actually its a different market segment. It is not about saving the pennies but it has to be up to code so that it doesn't need further investigations for the near future.
I am also interested in why a 30mA whole house RCD is NOT doable in 2021.
I personally run 30mA as single mains RCD and do not experience nuisance trips.

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Earth is optional if not using those old type fluorescent tube with the magnetic brick choke, and is usually not fitted, but its alright to have it fitted.
Typically lights do not come with earth wire, but for the old fluorescent tube with magnetic brick choke, this choke is like a "transformer" that need to be bonded to earth, while the lamp casing is not required to be earthed.

All electrical items with a metal body must be earthed. This includes the casing of the "fluorescent" tube, even if the tube is LED. Items that are double insulated, like plastic downlights, do not need to be earthed. But the 230Vac wiring to the light must still have the green wire, it is just not connected.

If you do not have an earth for any metal cased item, and should the LIVE touch the case, then the case will be at mains potential which can kill when you touch it. But if there is an earth bonding, then as soon as the LIVE touches the metal case, something in the DB should trip safely. Note that a LIVE wire touching an unearthed chassis, can still work as if nothing is wrong with it. With this in mind, you can run any metal cased item without an earth bonding, but your safety is compromised.

And I am telling you the requirement. All metal cased items that are not double insulated. This supersedes the choke inside the case.

As you have alluded to in your post, exposure determines risk. Just like you will never be mauled by a shark if you never swim in the ocean (unless you Sharknado!) a light fixture that is high and inaccessible is "safe" with no earth than say, a stand lamp. You make your choice on the level of exposure you are willing to risk.

There is no technical reason that a fluorescent tube will not work if the choke is or isn't earthed. It is done for safety.

Okay. If you are so confident, why did you ask the question on the first place?

By the way, this

is not a light cover

This

is a light cover

Lazy to take real life pictures, move to my pc, edit and annotate them, and try to convince you otherwise. You do you.