I learned something interesting... just for the hell of it, I turned on everything (within reason) in my house just to see what would happen. Every light switch, bathroom fan, two air conditioners, all electric stove/oven. The only thing I didn't run was the garbage disposal since I didn't want it to burn it out. I had a space heater going, air fryer, treadmill and hair dryer going.
I don't know if the NEC is ultra-conservative or if all these energy efficient upgrades actually bore fruit. But I basically topped off at 18 kW of continuous demand (75 amps). The electric kitchen stuff draw a lot of power to heat up; but once they get to operating temps, their draw takes a nosedive.
So in one hand I have PG&E beating me up over a 200A main service panel. But then on the other hand I can get my loads up above what 3 Powerwalls can pound out.
I just think it's funny my outdoor condensing unit uses less continuous energy than my wife's space heater... I'm not sure how that is possible.
PS. gas water heater and gas furnaces. No radiant heating floor or EV charger.