If you do the calculations, it would be a rare dwelling that even approaches 10,000 amps of available fault current. You would need to have a fairly large transformer (100kva or so) or a smaller one with fairly low impedance (2% or less) to even begin to be concerned.

Buss used to have a downloadable short circuit calculator. If you can get it, play with some numbers & you'll see what I mean.

Tom

Few things are harder to put up with than the annoyance of a good example.