Edit: Service in the US is generally 200A or 400A. I'd say 400A is overbuilt for what they have, but that doesn't mean they actually use much of that capacity.
For example, I average 1000 kWh per month, which is about 1.39 kW 24/7, or 12 amps average on my 200A service. The 200A is to have headroom for peak demands, and we probably never get close to 200A.
If I were to rewire my panel (it's full), I'd go for the 400A - it's just heavier copper in the three lines to the entrance panel. That would not increase my monthly power bill right now, but it would provide lots of excess capacity in case I want to switch to heat pumps and electric vehicles.
Since we heat with wood and propane and don't use electricity for either and have mostly LED lighting and a gas stove, I do wonder where all the power is going, especially at night. Too many computers, I guess. Add analysis to my to-do list!