I used to work for a panel builder making lift station panels and they are pretty competitive. Anything to get the price down, even if it's $100. It isn't difficult for a 508 shop to build a 65kaic panel, but it does cost a bit more and the panel might be a bit bigger. The cheaper shops would prefer to load it up with the cheapest parts available and make it up later in change orders.
This is easily combated by:
inform your buyers that from here on out, they need to require an SCCR that meets or exceeds the AFC!
It certainly isn't hard if done before the panel is built, but it is quite expensive to upgrade an existing install to 65kaic. UL could also do a field inspection to "verify" listing is valid, but be prepared to pay $$$$ and find other things wrong that they will want to see fixed.