No criticism or negativity, just want to be educated.
I am always curious why someone needs a 400A service for their house? Even at 0.8 PF that is 76kW ! PSE probably only has a 50kVA (or less) distribution transformer to feed you? Only load I can think of would be a couple of huge wonkin' on-demand electric water heater plus +++.
Well, the NEC load calc came to about 360 amps (using the Optional calc -- was over 400 with the Standard calc). This house is all electric (no gas available unless I wanted to pay for a main extension). It has a 4 ton heat pump with 20KW aux heat, a swimming pool with 2 water pumps which also has a heat pump (but I assumed the house aux heat was non-coincident with the pool heater, since it is summer use only, so it didn't get added), two kitchens each with an electric range and 2 small appliance circuits, two laundries each with an electric dryer and laundry appliance circuit, one 5500W water heater, and a workshop with a bunch of tools (but I only put in the largest tool at 3.3 KVA for that since I'm a one man shop).
I wanted a larger transformer (they were going to give me a 25 KVA "for free") so had to pay extra for the 50 KVA unit out there on the pole. They ran 1/0 aluminum to the mast and I wanted larger. Was supposed to be 2/0 or 4/0 aluminum and an additional $300. But when the Potelco truck showed up, all they had was the 1/0 and no additional fee... Looks kind of funny to have a 400KCMil copper conductor with a little 1/0 aluminum connected to it).
I doubt I ever draw much more than 200A, even in the winter, and a 200A or 225A main would probably have worked. But the NEC load calcs and reality never seem to match. I'm surprised the triplex was never steaming in the winter though...