I guess my basic point is, while faster is certainly better, there's a point of diminishing returns. There's also a school of thought that too fast a trip is likely to yield false trips where there is no fault. A long time ago, I used to use the Lionel TMCC Direct Lockon. It actually was prone to false triggering when nothing was wrong.
There are two common scenarios where there's a possible overcurrent that will trip your circuit protection.
#1: A fault develops in the drive electronics and causes an overcurrent situation. In that case, I doubt 5ms is going to make any difference, the damage is obviously already done.
#2: A derailment occurs and causes a short. In that case, 5-10 milliseconds is plenty fast enough to prevent damage to wiring, etc.
I don't doubt the PSX-AC is excellent protection, I just don't believe that the difference between it's protection and the PH180 breaker is all that significant in preventing damage. In truth, I had several of them connected for several years in my previous house. I decided they were overkill for my environment and sold them, I haven't had any occasion to regret that decision.