How important is circuit breaker breaking capacity?
I am not a physicist, but i don't think the larger more expensive breaker is going to make much difference in your residential situation.  If you draw 1,300 amps, not only will the breaker arc over, but your wiring will be arcing, burning , not to mention your main breaker and service entry cable from the utility, which is probably only 4/0 alu rated at 200 amps with a max out of 400amps. Keep in mind that excessive current will heat up conductors and cause them to melt ,burn etc, thus allowing shorting between conductors. It is voltage that supplies the potential to arc. All wire and devices for residential use are rated for 600VAC min, unless the insulation is compromised. At 1,300 amps, every wire and devise will become a fuse! Call 911