I think it gets too confusing to answer correctly in residential. Unless there is an obvious motor, like a huge air compressor, you're left scratching your head. Is the bathroom vent fan motor larger than the dishwasher pump? How about the clothes washing machine, or the disposal, or the garage door opener? How many of those items are even on site for you to install?
An airconditioner makes it easier, but there is still a twist. The MCA nameplate value of an airconditioner already inlcudes the 25% factor. So if you've used the MCA of an AC, and it seems like the largest motor, are you done? Or is an Airconditioner compressor not a motor???
In the end, it is only going to make a difference of a few amps. Not enough to be significant in most cases. But enough to get a test question wrong.