The main disconnect panel will be 200 A. Then there will be three 100 amp panels with meters on them. I am now planning to make all the panels and breakers 22,000 K AIC.
A lot of main breaker panels with factory installed main are usually 22k main breakers, and the corresponding 10k branch breakers are series rated with the 22k main.
I bet there is still good chance any 10k breakers you might use are series rated with RK-5 (100k) fuses anyhow.
I also suspect if you have 200 amp service you won't have 18kA available fault current even if the source transformer were right next to the service disconnect. POCO just won't supply that with large enough transformer to have that much fault current if the load isn't there.
50 kVA single phase transformer, rated current 208 A, if it has 1.72% impedance available fault current at the transformer is only about 12kA. Unless you do have high load POCO probably only supplies you with a 25 or 37.5 kVA transformer - fault current will be even less.
75 kVA three phase 208/120 transformer - rated current 208A, if impedance is 1.5% available fault current at the transformer is only about 14 kA. Again unless you have the load, POCO is likely using a smaller transformer.
I have found that you generally don't have to be too concerned about having higher interrupt ratings then what is "usual" until you have about a 100kVA or larger source or if you are
very close to the source with that equipment, it can get you in the 50kVA range sometimes, as little as 10-20 feet of conductor makes a huge difference though.