The short version of the rule is, the SCCR is the lowest level of any STAND ALONE device in the circuit, or the TESTED combination of any string of devices. To address your specific issue, 99.9% of all overload relays are only rated for 5kA (without fuses) and they are usually the lowest level device in the string. If you want to use circuit breakers, you end up with a 5kA SCCR capacity. Or an alternative is that must use a TESTED and LISTED combination of devices, i.e. circuit breaker, contactor, overload relay. For most of the major manufacturers, this will mean that you must use only THEIR devices in that combination,and exactly as they were tested. They are typically not going to test their devices with someone else's.* Any manufacturer who has done this will have a list of tested and listed combinations. You can get that list from them, or in many cases you can download that list from the UL.com website. The only thing is, UL.com's list may not be as up-to-date as the one the manufacturer maintains.
So for example, if you look at a Siemens contactor, Siemens OL, and a Square D breaker, the breaker is (let's say) 65kAIC, the contactor has a 10kA SCCR and the OL relay has a 5kA SCCR. The entire unit, if you build it that way, can only have a 5kA SCCR label applied. If you used a Siemens breaker and it was on the list as approved to use with that contactor and overload, the entire lineup could be labeled at 65kA SCCR. Conversely f you used a Square D breaker and contactor and OL relay in their tested listed combination, the same is likely true.
* In some cases, device manufacturers who do not make circuit breakers will pay for the testing of their devices with someone else's circuit breakers, but you still must use the EXACT combination as tested. There s no extrapolation allowed. This is often true of big ticket power devices such as VFDs and Soft Starters.