This thread topic is about upgrading electrics. So I suggest that rather than adding an unnecessary RCD to the inlet which, whilst your personal preference, has no following in any rules, legislation or “official” guidance, it would be much better, and much cheaper, to ensure that the earthing system is correct ie hull is connected to system earth.
You seem to be inventing unrealistic scenarios to support your proposal. You mention “a couple of amps flowing from live to earth” and then “there’s nowhere for the earth current to go”. You can’t have a current flowing if there is nowhere for it to go, that is electricity 101.
i suspect you are taking your land based electrical experience and applying it to marine installations, which is often shown to be inappropriate.