People rely too heavily on the POCO for this. There are two purposes for knowing your available fault current and I am on the fence about submitting a PI for it.
1) Equipment selection - Your need OCPDs to operate in a contained event. If the available fault current is higher than the device allows you can have an explosion which I think we can all agree is not safe. That equipment selection value should be based on the highest available fault current. The main switchgears AFC and the one the utility says is the the size for the main.
2) Protection of people with PPE and trip curves. This is more complicated, usually requires an engineer and was put into the code because employers, contractors, and laborers were getting hurt while testing or working hot.
The idea of making sure fault current does not exceed the equipment's rating is as old as electrical work itself. Your OCPD and equipment should remain in one piece after a fault.