This is what I did:
RCBO at the house consumer unit, 4mm Twin & earth inside the house, 4mm 3 core SWA outside.
Third core and armour both used as earth, armour connected to earth via banjos at each end of the SWA in junction box and in garage consumer unit.
SWA is further protected outside by being run inside 41mm Unistrut secured to the concrete fence posts using rawl bolts.
Inside garage, RCD protected consumer unit with one circuit for lights and one for sockets, I may look into an RCCB for the lighting circuit at some point.
Sockets are on a 4mm radial circuit using individual cables run plastic conduit and dado trunking so I can have as many sockets as I need.
Lighting is cabled using individual 1.5mm individual cables in plastic conduit, 1mm would have been good enough, but I didn't have any at the time.
Some may argue issues with SWA in Unistrut above ground attached to a fence, but the garage is prefab and therefore can be argued to be temporary, fences are also viewed as temporary structures so the associated wiring is also temporary and would be removed with the garage.
Nothing in the regulations that states you can't do this and much safer and less likely to be damaged than running on a caternary wire at 12 feet above ground and I didn't feel like digging a 3 foot deep trench through tree roots.
House can't trip the garage, but isolator in house consumer unit will cut power to garage, house is on a split load consumer unit with dual RCDs, garage can also be isolated by switching off the RCBO.