Personally I had an experience back up north, when during an electrical inspection, the inspector noticed the brand of circuit breakers in the house. He informed me that he knew insurance companies were cancelling coverage when they found out about these particular breakers (Zinco/Sylvania), as they had a nasty habit of not tripping. The entire electrical panel was replaced the next week.
So IMHO, I would never replace an ARC fault breaker with a regular breaker. One other item, it may actually be illegal to do that as you would be violating the building code.
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Pennsylvania, for 60+ years, most recently, Allentown, now TV. 
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