casdave,
I’m not an electrician, but I have read some of The NEC (National Electrical Code), along with the usual guidebooks. I’m an electronics tech by trade. Reading code has helped me a bit at work, along with rounding out my training as a Jack-of-All-Trades.
Households in the US run on 60 hertz, 110/220 volt, single phase power. Power comes off the pole as two 110V legs of opposite polarity with a common neutral; the transformer on the pole has a 220V secondary with a center tap for the neutral. The neutral is connected to ground (earth, of course) at the service (main breaker box). Ground has to be a rod driven into the ground or a clamp on a water pipe. There are additional requirements, and some cities no longer accept a water pipe ground. The ground connection to earth is made at the main service; no other connections are allowed.
After going through a main breaker (two 110V breakers with the levers tied together so that they trip together, probably the same as what you have), the two 110V legs are zigzagged down through the breaker box so that no two adjacent breakers use the same leg. This makes it easy to use the 220V breakers that are described above and assures that neither leg is overloaded (at least an electrician would have to try pretty hard to put all the breakers on the same leg.)
Most circuits coming out of the sevice have a hot wire (110V), a neutral which returns current to the box and the pole (still tied to ground at the main service) and a ground of the same size as the conductors which is also attached to ground at the main service. The separate earth wire is a somewhat recent addition to code, having been required in the last thirty years or so. All metal boxes must be properly grounded. I’m not sure whether the latest code requires a ground to all circuits, but since Romex, the common wire, has a black (hot), white (neutral) and bare (ground) conductor, I don’t know why anyone would want to do anything differently. On the other hand, most appliances are ungrounded, and two-wire polarized outlets do exist.
Ceiling boxes (I think you call this a rose) are usually wired the same way as you describe. The neutral is connected directly to the fixture. The hot is wired to the switch with a separate run of Romex. For the obvious safety reasons, all fixtures and switched outlets must be disconnected from the hot with the switch turned off; you cannot put the switch on the neutral side. I’ve also read the suggestion that, since the Romex has a white wire in it, you should wrap the ends of the white wire at the switch with black tape to indicate that it’s a hot. Alternately, you could have the white wire run the unswitched line to the switch box, since it’s attached to black wires at the ceiling box and switches are never on the neutral side. I don’t know whether code addresses this, though.
Alternately, the circuit can run through the switch box, with the neutrals tied together bypassing the switch. This isn’t as common, probably because it uses more wire.
FWIW, since the OP was about getting shocked with the breaker tripped, I have seen as much as 25 volts on a neutral when testing circuits with a high impedance meter, but it was probably capacitance between the hot and the neutral. I doubt that it would have had the current to shock me. Could a switch get dirty enough inside to pass a leakage current?