"Question: When are you going to see that level of current in the life of the installation?". That was exactly my point and my concerns was that CMB would not trip until then but current will be still high enough to damage the cable
Under short circuit fault conditions a fault of negligible impedence is assumed as such for your 16 Amp device you could reasonably see >20 x In would flow. 100's of amps so far more than the 16 x 5 figure.
The time the device operates is always limited by its physical make up, the speed it can physically operate in, yet times of 0.1 seconds or less to disconnect are realistic.
During the time it takes the device to break the fault it will 'let-through' some energy and the conductors subject to that energy let through by the ocpd must be able to 'withstand' the rise in temperature that results.
The copper conductor will be fine on the whole, it is the insulation that is affected and can break down catastophically or be somewhat compromised so as to reduce the life of the installation.
You will note looking through the tables in Appendix 4 that different cables are able to tolerate different operating temperatures.
Now a lot of the work has been done for you on this. The short circuit fault current the cable will withstand has been confirmed providing the rules as set out in this thread, on device and cable selection, are complied with.
As a further check you can confirm the ability of the cable to 'withstand' the energy let-through by using what is called the adiabatic equation as set out for you in regulation 434.5.2.
Confirmation of this is a required check under some circumstances, one such example I gave previously in this thread although there are more.
The adiabatic equation assumes all heat generated stays within the conductor [that is the meaning of the word Adiabatic] and as such is only really applicable for fault duration of no more than ~5 seconds.
When we look at regulation 433.1 and the small overload of long duration this must be designed out for this long period where the insulation is subjected to higher operating temperatures without the ocpd disconnecting can greatly reduce the life of the installation. It is quite surprising see the data on this by just how much a small overload over a long period can affect the life span