The actual number can be very job dependent. As texie points out, the characteristic of the service conductors will play a major role in reading the figure at the transformer. On the other hand, there could be factors such as motor contribution that could increase the fault current at the gear.
There are programs available that will allow you to make a quick guesstimate as to how the service conductors will effect the number.
In a vast majority of the jobs I see the raw POCO number is used. If that number results in a higher gear costs, calculations are often performed. On larger jobs, engineering documentation that takes all factors into is often needed.