According to my electrician, who I met with yesterday, a 400 amp main panel is for a major compound with multiple A/C units, a pool, and some other major major amp hog item (elevators in Beverly Hills mansions)
Three powerwalls can only output 90 amps so that’s no reason. What you ought to do as part of your diligence is to get a meter or borrow one, turn on everything in the house at once, and see what your house pulls. Did this yesterday and we were at 70 amps. By everything it was A/c, dishwasher, clothes washer and clothes dryer, every light, plus open up the refridgerated door so it turns on.