You could stop where you are, and call for all downstream panels to have an SCCR of 10,000 amps. The short circuit current available at the secondary of the transformer will be under 4,000 amps. This can be calculated by taking the rated secondary side current (75,000 / 360 = 208 amps), and then dividing by the percent impedance (assume 5.75%), and you get 3623 amps.
The reason that works out that way, is as follows. When you combine the formula after the f-factor and M-multiplier intermediate steps of the fault current across transformers calculation, you get the following:
Is = Ip*Vp/(Vs*(1 + √3*Ip*Vp*Z/K))
Where:
Ip and Is are available fault currents on the primary side and secondary side respectively
Vp and Vs are nominal line-to-line voltages on the primary side and secondary side respectively
Z is the impedance expressed as a decimal (rather than percent)
K is the Volt-Ampere rating, i.e. 1000*the KVA rating.
You notice that Ip*Vp appear as a package deal in this formula. Call this X, and the formula becomes:
Is = X/(Vs*(1 + √3*X*Z/K))
Simplify:
Is = X*K/(Vs*(K + √3*X*Z))
If you select values for K, Z, and Vs, and graph this curve, you notice that it takes off to a cruising altitude as X gets large. There is a limiting maximum value it can approach, which is calculated by dropping K from (K + √3*X*Z), due to its insignificance as X gets large, and cancelling the X on top and bottom.
Is = X*K/(Vs*(K + √3*X*Z))
Is = X*K/(Vs*(0 + √3*X*Z))
Is = K/(√3*Z*Vs))
Conclusion:
Is = K/(√3*Z*Vs))
Notice that K/(√3*Vs) is how you calculate secondary current at full KVA. Then divide by Z as a decimal, and get the limiting value of fault current. This limiting behavior is useful for calculating fault current at the service point, because you may not know the primary side voltage or fault current, so it gives you a worst case scenario. Primary-side behavior is also a moving target as the utility upgrades substations, introduces new customers, adjusts transformer primary-side taps, or whatever else they may do.
Is = K/(√3*Z*Vs))