The utility in all probability will not beef up their wiring. If you ask for a 400-amp service, the utility will ask to see a load letter to justify the request. They will then determine through their experience based on other users with similar electrical loads how much power you will draw and then see if their transformers in the area can accommodate the extra load your house will place on their grid. That will determine whether or not a new transformer is needed and what size overhead or underground current carrying conductors they'll bring in.
Now if you want a 400-amp meter and service panel in your house, you most certainly can install it. The electrician will run those 400-amp hoses of wire down the service mast to your meter but the utility will most likely leave a pair of spaghetti sized wires at the service mast for him to connect.
Aside from all that, if you have no electric heat, no electric cooking and no well water pumps then 200-amps should be plenty for the average size house with central air. Install the four dedicated lines you are planning -- they are not no way no how going to draw 4 x 20 = 80 amps.
Now if you want a 400-amp meter and service panel in your house, you most certainly can install it. The electrician will run those 400-amp hoses of wire down the service mast to your meter but the utility will most likely leave a pair of spaghetti sized wires at the service mast for him to connect.
Aside from all that, if you have no electric heat, no electric cooking and no well water pumps then 200-amps should be plenty for the average size house with central air. Install the four dedicated lines you are planning -- they are not no way no how going to draw 4 x 20 = 80 amps.