We install AFCIs in each service upgrade that we do, and we charge for them. I don't believe that the AHJ is insisting on them. The only time that we don't is if the bedrooms are wired in a multiwire circuit.
I don't think that we should even give the H/O a choice about the matter. It's required by current code on new residences, and if its not done with the service change, when else will the H/O ever willingly pay for this safety device? Probably never. Let them know it is for their family's safety and include the cost in your price.
