The electrical company told us they would put a 400 amp transformer on our pole for an additional $500-$600. We are getting power to our property for about $3000.00 so the $500-$600 would be an additional cost. It seems wise to me for us to pay the additional cost to at least bring in the 400 amp service. My question is this, do I need to install a 400 amp outdoor service panel or can I just install a 200 amp with the 400 amp service coming in to it? We may want to install an irrigation pump on our creek at a later date but do we really need a 400 amp service panel to do that? Our house will be around 1600 sq. feet and we will be adding a shop in the years to come. I hesitate in installing a 400 amp service panel because of the additional costs involved (More expensive panel, wire, etc), and I really don't know if we'll ever even use it. Any help/opinions would be appreciated!