Hello Dodger
Your point is correct, but it only addresses part of the problem of a faulty appliance and the risk of shock in the context of a caravan using an independent (i.e. Not grid mains) 230Vac supply.
An RCD as you say compares the current flowing in both the Live and neutral legs, and if there is a difference of sufficient magnitude the RCD should operate and in the case of caravans to isolate both live an Neutral legs. The operation of the RCD relies on the presumption that an imbalance of current is due to a fault that carries some of the current to ground, and where a caravan uses an EHU, that would be ok becasue the Earth wire in the EHU will be connected to true ground through the sites wiring. and at some point in the supply system the ground and neutral will be linked.
The problem with many small generators and inverters used for caravanning is the construction regulations do not require the generator manufacture to link Earth to Neutral. This means that depending on how the caravan is connected to the generator/inverter there is every possibility the earthing system is not properly connected by the neutral side of the supply and is in fact left floating with respect to the supply.
If this is the situation, then there is every possibility that if a fault arises on the caravan wiring or appliances such that the live came into contact with metal part of the caravan or appliance, with no fault route back to the supply there will be no current flow to imbalance an RCD, and the caravan metal work or appliance casing would be at live potential.
The risk is that the combined surface area of the caravan and all the metal appliances will introduce a significant capacitance to the system such that under the fault condition the metal work could not only assume the supply voltage but also build up a significant charge. If a human or animal were to touch the metal work and some how make the link back to the supply neutral at the same time, the charge build up on the surface of the caravan may sufficient to be discharge through their body and electrocute them.
The added difficulty arises becasue some inverters may have a split rail output, and others have a single sided output which may prevent the earth and neutral lines being tied together to allow RCD's to operate.
A plug in s Neon light socket tester should tell you if there is a floating earth problem or not.