AFCIs do NOT monitor the neutral circuit, they just USE it to power the electronics inside of the breaker. GFCI breakers monitor the neutral circuit, so the correct neutral path is crucial to its operation. For pure AFCIs the neutral wire of the circuit does not need to connect to the breaker. But if it is a DUAL FUNCTION AFCI/GFCI breaker, then the GFCI function must monitor the neutral.
AFCIs do NOT “contain a lower level GFCI function”, that is a common misinterpretation. There are two types of AFCI functionality: series AFCI and parallel AFCI. Most older AFCIs were only Series, but now most are “Combination”, hence CAFCI. Series AFCI watches for arcs across a broken connection, parallel AFCI watches for arcs going line to ground or line to neutral. Parallel AFCI is looking for arcs of over 30 mA, which is why people think it is like a GFCI. But it is not comparing line and neutral. It is just looking at the current signature on the hot wire to look for evidence of an arc in the way the colorant flows. The 30 mA is just a threshold below which it ignores. But a parallel AFCI could see current going to ground of well over 30mA and not trip, if that connection is not actually ARCING when it happens. That makes it very different from a GFCI (or RCD).