Ignorant Brit.............
What kind of residence needs a 400A service?
Typically here we have 40A or 60A.
lol personally I have never seen a house pull over 70amps, and that's with everything going full blast trying to recreate a problem in the service entrance underground. I'm sure it can happen, but not in my little world so far.
In areas with high electric energy rates, probably very few that aren't multi-million dollar mansions.
In areas with low electric energy rates electric heating is more of a popular thing. Right now you can probably heat a home less with gas, but a few years back when gas was high electric heat was less here.
I did a couple homes about 10-12 years ago now one has 45 kW of electric heating, two 4.5 kW water heaters, double oven, cooktop, dryer, well, hot tub, maybe a couple other items I have forgotten about.
Other home has 60 kW electric heating, 4- 4.5 kW water heaters, double oven, cooktop, three laundry areas with electric dryer in each, well, possibly other items there as well.
Both of those homes are fed by their own transformer as they are far enough away from other utility customers there is not going to be others on the same transformer. Both have CT metering right on the transformer and instead of running to a single 400 or 600 amp service disconnect both have multiple runs from the transformer, each landing in a 200 amp main breaker panel in the mechanical room of the house, cost of that was less then the single disconnect and would need the same main breaker panels as the end of feeder taps anyway had we gone with a single service disconnect.
Might have been able to squeeze the larger home on a 400 amp single service disconnect, but would have cost about same or even less then what I ended up with, and does have more capacity for extra down the road if ever needed. Guy did seem interested in a pool someday, and being a physician likely can afford it, - probably would be an indoor pool as well so more then just a pump and few other lower capacity loads.