Digitrex:
You are quite right, REF-protection is a typical diff-scheme, and doesn't need to coordinate with other protection schemes.
However, there are two types of REF-schemes, eg. the low-impedance REF-schemes (normally incorporated in the mordern electronic relays) and high impedance REF-schemes.
On older systems high-impedance REF-schemes are quite common, and it normally operate on voltage. To set a high-impedance voltage-operated scheme, you need the max fault-level (as seen on CT secondary) and the resistance of the loop (internal CT-resistance + wire resistance etc.) to calculate the setting.
Regards
Ralph