So as part of our solar, we removed all the old panels, and installed a new Square D Homeline 8 breaker 200A pass through outside to a Square D Homeline with push on neutral bar 40 breaker 200A inside. Wiring had been redone. When we had the issue, square d did have me do as you mentioned with holding the test button, and we never found an issue. They were all 15A circuits. We tried a GE CAFCI out of curiosity, and never had an issue. The Square D tripped only when something was actually switched ON, but it felt like anything we tried tripped it. Same circuit with the GE, never tripped (except maybe vacuum).