AIC (fault current) is available from PSE&G. Resi should be 'fine' with a 22K breaker. Most areas are 10K, a few are 15K.
Calculation requires impedance of transformer, length/size of drop, length/size of your service conductors, for starters. "Bussman" has a fairly simple point-to-point method that works; but you have to like numbers.
I'm working on preparing a AIC course, hopefully I'll have it ready by fall/winter.
If you want further info, send me an e-mail, and I can get you the literature.
As to the 'stripped ground conductors & heat???? What Article did he cite??