MCBs have two separate trip regions:
- Thermal trip for "overload", from around [1.45 * In] to [3-5 * In] (in B-curve case)
- Magnetic trip for "fault" above [3-5 * In] (in B-curve case)
When designing for ADS (i.e. clearing a fault to avoid significant shock risk) then you need fast disconnection, and that is what the magnetic "instant" region offers, typically disconnecting in under 0.02s to limit fault energy and exposure to over-voltage on exposed metalwork. This is where your end of circuit Zs matters to make sure that if you get a hard fault L-E then you hit this region and
bang! off goes the MCB nearly instantly.
However, for protecting the cable from overheating at lower currents the MCB has a slow-acting thermal trip where the trip time decreases as current increases, and in such a manner that it mimics the survival characteristics of typical PVC insulated cable. In this case your design goal is to make sure the nominal current rating "In" for the MCB is no more than the current carrying capacity of the cable for its installed "method" (i.e. level of thermal insulation that dictates how quickly heat can escape from the cable).
You always have to protect against a fault in your design, and that is why you design for a given protective device's Zs requierment (i.e. to ensure you reach the trip point under worst case of low supply voltage and hot cables) and on testing you do your dead (power off) R1+R2 and live (power on) Zs measurements to establish that it has been met.
You don't always have to protect against an overload, if you
know that overload it is not possible due to the type of load being fixed or other down-stream protection providing overload protection, but it is good practice to do so unless there are very good reasons like fault selectivity where you size the protection only for a fault.