Please clarify what you mean by "will be lower". In what? AIC? Amperage?
I can tell you that my 175 amp Class T fuse blew instead of my 80 amp MEGA fuse. Probably because the Class T was a fast blow fuse.
Lower in current rating. So you won't fuse all 4 of the batteries each with a 400a fuse. Probably more like 100-150a for each MRBF.
And that's interesting that your Class-T blew before Mega.
Looking at the Class-T charge (400a from BlueSea)
and MRBF 90, 100, 125, 150a chart from BlueSea
I think at moderate over load (say, 200%) which is ~800a, the MRBF will blow first for a 100a, somewhere around 2.5-3-ish seconds. While the Class-T will take 50-200 seconds to blow.
However, when talking worst case dead short past the Class-T, I think you're right, the Class-T will below in at or under 0.01s, while the MRBF likely won't, even at it's fastest possible bounds, it's approaching, maybe, what the Class-T would do.
So yeah, you're right, most times for dead short/high overcurrent the Class-T will blow first. But on moderate overcurrent, the MRBF will blow first.
Which that level of moderate overcurrent is unlikely to happen, unless he's also got a decent amount of other 12v loads and the Quattro II is outputting is max peak (500W, ~458A
https://www.victronenergy.com/upload/documents/Datasheet-Quattro-II-3kVA-2x120V-EN.pdf). So providing the MRBF is ~100a or so, maybe 125a, I think OP is quite safe from blowing any fuses, while protecting really well from a dead short on the system side of the Class-T, and decently protected on each battery before the bus-bars.
Yay! It's fun to have something pointed out to make me think and actually run some numbers and figure out, based on specs, that it backs up the real experience someone has
EDIT: Adding in the MEGA curve
Looks like it'll blow faster than the Class-T at moderate overload (200%), but high current or dead short it has a terrible blow time. Ugh. Absolutely horrible, makes me really never want to work with them.
ANL only seems to be a bit better, but still not all that fast for high current or dead short.
Heck, ATO fuses seems to blow better, from that perspective. Although of course they can't handle that high level of current in general, so not very applicable for moderate or larger system protection.
Unfortunately BlueSea doesn't seem to have a chart for AMI/MIDI fuses
But for MAXI, seems OK, closer in comparison to MRBF, but not as good as Class-T.