He has not provided yet, although he did say it was close but thought it best to provide the additional for future.
Beware of this thinking. Architects over specify everything to the detriment of the budget. For my 35,000 SF office building, the architect specified 90 tons of cooling, and I cut it back to 42 tons and those units have never needed even stage 2 activation after 10 years. I could have gotten by with 25 tons.
200 amps is 48 KW. Unless you have some really wild loads, it is extremely unlikely you will pull anywhere near that load. If you do have issues with tripping the main breaker (something I have NEVER seen under non fault conditions), then relatively minor lock outs on simultaneous loads can solve this problem.
Also, realize the architect is basing their calcs on very old rules of thumb when we had 100 watt incandescent bulbs and not LEDs, when appliances weren't energy star, when computers used 300 watts, when TVs used 250 watts, etc. Houses use a lot less "incidental" energy than they used to, including better HAVC stuff, too.
Also, in the end, you can have two 200 amp panels, just put everything you DON'T want backed up in panel #1 and everything else you DO want backed up in panel #2, and put the GB ahead of panel #2. For example, the pool pump and heater goes in panel #1 since you can live without that in a grid down situation. Indeed, it is helpful to split the loads like this so grid down automatically load sheds and your battery last longer. As long as you have permission to back feed the grid, then your panel #1 will use your power you back feed. You can even move the CTs to the combined flow to both panels and set the system up for zero export.
Mike C.