Do you even read the posts you quote?
I said it may be fine
The problem to me is one of ethics, if the contract or verbal agreement says 400 amps a 360 amp service does not reach that. Think about it, if the butcher shorted your order but it still filled your belly would you be fine with the shortage?
On the other hand I would have no problem at all saying to a customer that we could reduce the price of a 400 service if they were fine with 360.
All I am saying is I feel the customer should be made aware of what they are getting, that does not require teaching them the NEC it just means asking if they want to pay for 360 amps of wire or 400 amps of wire.