Example 3 Let $a, b, c$ be the lengths of the three sides of a right-angled triangle, where $c$ is the length of the hypotenuse. Find the maximum value of $k$ such that $\frac{a^{3}+b^{3}+c^{3}}{a b c} \geqslant k$ holds. ${ }^{[3]}$
(Fourth Northern Mathematical Olympiad Invitational Competition)