I see the tile of your post is
702.4(2) - capable of supplying the full load
but it wasn't clear that was the question.
Well a service size of 200, 400, or 600 amps does not mean its the full load. For example, my house with a 200 amp service, the load is perhaps 30 amps as its gas HW, dryer, range and heat, no AC. Often 220.87 is used for existing.
But if this is all new, a load calc is in order.
Like RNatalie said..