Dear Mr. STONE85
"... Say you have a transformer serving a main mccb panel, why can't the main switch of the panel be just an isolator? I've only seen the main switching device as a mccb or ACB on drawings. Would the protection device on the cable from the transformer not protect the downstream panel?...".
1. If (your) transformer, i) having [protection on the primary and the secondary], i.e. the length of secondary conductors feeding to the MCCB panel is over-current protected. ii) Attention: in many installations, the primary is fully protected but there is NO protection on the secondary; i.e. the secondary conductors are directly connected to the incoming terminals of the MCCB panel.
2. In case i), the MCCB panel may be provided with isolator or MCCB or ACB for [isolation] purposes. Note: a load isolator is rated to handle the short-circuit current in closed position. It is NOT intended to open or to close on load or short-circuit.
3. In case ii), a MCCB or ACB shall be provided to partially protection of the (unprotected secondary conductors and mainly any over-current/short-circuit in the MCCB panel. Note: A MCCB or ACB are designed to open or to close on to any over-currents; including short-circuits, safely.
4. Whether a MCCB or ACB is depending on current rating and cost. ACB is usually used for current >= 1000A. Note: ACB has better adjustments with 1s (some with 3s ratings), but most MCCB does NOT have or having very low 1s rating. ACBs are always more expansive.
Che Kuan Yau (Singapore)