That's a good point. However, there's no law saying that one must use MCBs. With a fuse, which is equally acceptable to BS7671, it is true that "slightly higher loop resistance would ... only give slightly slower disconnection".Maybe the 0.4 seconds is arbitrary in the first place, but for aB circuit breaker that's how quick the magnetic trip operates under 5x rated current. Any lower and the magnetic part is not guaranteed to trip, therefore waiting for the overload trip to kick in, which would be a lot later. ... So once you're using an MCB, the decision on impedence is made for you, so don't think that slightly higher loop resistance would necessarily only give slightly slower disconnection.
Thinking aloud, maybe that would be a good reason for favouring fuses - not so that one creep over 'max Zs' figures without much consequence, but because the impedance of faults is not necessarily as 'negligible' as the regs would like to think. If the circuit was already very close to the Zs limit (for a 'negligible impedance' fault), just a tiny finite bit of impedance in the fault would be enough to reduce the fault current to less than 5 x In.
In passing, I have always assumed that, as you suggest, the relevant Standards require that, say, a Type B MCB should operate (by implication, magnetically) within the required disconnection time (0.4s for TN) at 5 x 1n. However, I've also always been a bit confused by the box which appears with the Type B curve in the regs, which seems to imply that BS EN 60898 requires disconnection at 5 x In in "0.1 seconds to 5 seconds". Does anyone know what the standard actually requires? (stillp?)
Kind Regards, John