The original (simple) layout for this project got up-ended when discussing with the local power company. Now I am having to redo the layout of the meter/disconnects/panels/service wire. I would like appreciate some feedback of the plan as now I am unsure if there are better choices than what I have now:

Questions:
1. I already had some 4/0-4/0-2/0 URD for the original plan, but with the 200A running 60ft back to to the workshop (now a subpanel), I was curious if it was necessary/worth-it to upgrade to 250-250-250-3/0?
2. The two disconnects at the house are actually small exterior 8 space 200A Main Breaker panels with feedthrough lugs. This seemed as practical as a 200A shutoff and allows for things like condensing units or a generator to be hooked up at that location if needed. I do realize this causes the house and workshop main panels to be sub-panels and require a dedicated ground wire.
3. The two panels at the workshop may seem odd, but here is why I did that: I plan to run URD between the house and the workshop and figured I would want to transition to THHN or SER inside the structure anyway. Additionally, it is another 50 ft to get to the main breaker in the utility room (this panel will serve welders/motors/machinery etc) and the place where the URD physically enters the workshop is actually a reasonable place to put a panel and serve some moderate amperage loads (clothes dryer, 220V hydraulic pump, etc). I figured a main lug panel with feed-through would let me both transition the wire, and serve these loads. Reasonable?
4. I also used main lugs instead of breakers for both panels in the workshop as I figured having superfluous 200A main breakers at every drop was not optimal. Anyone care to comment if I should reconsider?

Questions:
1. I already had some 4/0-4/0-2/0 URD for the original plan, but with the 200A running 60ft back to to the workshop (now a subpanel), I was curious if it was necessary/worth-it to upgrade to 250-250-250-3/0?
2. The two disconnects at the house are actually small exterior 8 space 200A Main Breaker panels with feedthrough lugs. This seemed as practical as a 200A shutoff and allows for things like condensing units or a generator to be hooked up at that location if needed. I do realize this causes the house and workshop main panels to be sub-panels and require a dedicated ground wire.
3. The two panels at the workshop may seem odd, but here is why I did that: I plan to run URD between the house and the workshop and figured I would want to transition to THHN or SER inside the structure anyway. Additionally, it is another 50 ft to get to the main breaker in the utility room (this panel will serve welders/motors/machinery etc) and the place where the URD physically enters the workshop is actually a reasonable place to put a panel and serve some moderate amperage loads (clothes dryer, 220V hydraulic pump, etc). I figured a main lug panel with feed-through would let me both transition the wire, and serve these loads. Reasonable?
4. I also used main lugs instead of breakers for both panels in the workshop as I figured having superfluous 200A main breakers at every drop was not optimal. Anyone care to comment if I should reconsider?