One thing, I hate is the use of “panel board” it’s an Americanism. Distribution board or just board if you don’t mind.
You mentioned discrimination, our companies policy was as follows:
For a sub board fit an isolator and rely on the main boards outgoing OCPD to protect both the cable and the board’s busbars.
If the board is fed off an intake busbar chamber use a MCCB for the incoming as it will be the OCPD for that board.
The bottom line is, where is the board fed from and what protects the feeder? To fit an MCCB in series with the circuit OCPD is nothing but a waste of money.
Larger cable sizes can be accommodated by termination adaptors. It’s not a reason to fit a MCCB in series with the OCPD at the origin.
There is the odd occasion that E/L protection is required for a board, then a suitable MCCB incorporating E/F as the incoming is be fitted. Definite indication the fault is related to the board and not the cable. It was the only time we deviated from the above. I could count on the fingers of one hand the boards I’ve fitted with E/F protection.