If a loco is designed, weighted, and geared correctly it should not encounter a "locked rotor" condition at full current in normal use.
This is correct and the probability of a full stall is low, IMO. Nevertheless, the stall current is a guide to the current that the motor may draw when heavily loaded.
For example, the RS-385 motor stall current is 4A at 8-9 VDC. That voltage achieves adequate loaded speed in twin-motored diesels and, therefore, series wiring of these motors is practical in a Blunami application. The maximum observed motor current when pulling 15 freight cars up a 3% grade was just below 1A.
While Soundtraxx recommends that the motor's stall current not exceed the Blunami card's stall current rating (2 or 4 A), some may choose to ignore that based on measured current draw under maximum load conditions as they may exist on their layouts. The Blunami card and software will alert the user if its current rating is exceeded, I'm told.
FWIW and as a reference point, the ERR Cruise Commander motor drivers are rated at 8A - half the Pittman stall current.
Absent measured data, there is an element of risk in driving a large motor from the 4A Blunami card. When I return from travel, I'll see if I can measure some "hard" data on a Pittman-equipped locomotive pulling a good-sized train uphill.