I think you are confusing risikoflotte with a fleet in being. The risk fleet was intended to prevent war from starting. If the war did start, the theory fell flat on its face. It was based mainly on frightening the other guy. It wouldn't work if he didn't get scared. Now that may be considered building cool ships with the intention never to use them, but it was a German theory I believe, not a British, American or Japanese one.
A fleet in being is a tactic to preserve an inferior force so it can have at least some influence on its' stronger opponent. The tactic is hide in port so the superior force will have a hard time getting at you and has to detail forces to watch you if you do come out to die. It is something that is forced upon the inferior navy by circumstance, not by intention. The Germans had to do it in WWII because the war started several years before their navy was ready. Fleet in being doesn't work so good now because of airpower. Boats are a lot easier to find and hit if they are sitting in port.
As far as the RN's "spit and polish", you are confusing the incompetence of a military force that hadn't had any real battles to fight, with strategy. The RN may not have been so ready for battle in WWI but they fought anyway.
The Soviet Cold War fleet was built around submarines. Those always get used. I don't see how you could say their fleet wasn't built to fight.
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