I do know they are installing 400A mains in some new homes just for this reason although sometimes the way that is implemented is through two 200A panels.
It's the most common way 400A service is implemented around here. Two 200A panels are cheaper than one 400A panel and you get double the number of circuit breaker spaces.
I have 400A service with TWO 200A 42-circuit panels and if I just had a single 42 space panel, it would be full.