So the inspector is good with the plan- 2 wire runs to two 200A panels. Conduit fill is fine based on Table C.11 for (4) 250 kcmils and (2) 4/0 THHN/THWN- it actually leaves us plenty of room for larger if need be, even accounting for voltage drop and derating for multiple runs in the conduit if need be. I need to confirm the heating packages then run it back through the load calc., but I expect that we are good and it will be nice to move forward on this.
Thanks so much for everyone's help- hope I never have to do another service like this. During my apprenticeship (20 years ago) my journeyman was the always the one to handle all of the service stuff (which was all almost exclusively 200A res) , so I have had to do quite a bit of review and that's why I really appreciate the help.
Rob