It's really amazing how people can talk about 200 amps as if it's nothing. We have a household installation of 40 amps (220) and last year there were months that cost 400 euros per month on electricity, and we are not heavy electricity users (we have no electric cloth dryer but have a small robot mower tho)

It is almost like talking about 400HP cars/suvs, my 3 cylinder car is doing just fine at 84 kW max.

Am I being pedantic?

It depends a lot on your existing service. For many homes the wire is already rated for 200A, and you just need a new main panel. In those cases the utility charges you $0. On the other end of the spectrum, some homes have buried power lines where they need to dig up the street and driveway to run a new higher-rated cable to your home, and I've heard of those costing upwards of $50K.

It's different depending on the line that runs to your home and the transformer serving your street. If the line to your home has enough diameter to carry 200A and the transformer and the main line have enough spare capacity, all it needs is to exchange the main fuses/circuit breakers on the utility side. Most new constructions these days are severely overbuilt to accomodate the rise in electric car chargers.

For older constructions however, it can be more involved - the line from the main line to your home might need an upgrade, the main line might need an upgrade or in the worst case the transformer might need an upgrade. The further up in the grid you go, the more expensive it gets for the utility - and some measures might even require significant work involving construction permits.

In our situation, the issue was that the service had been disconnected, and we needed to move the meter about 20 feet (no obstructions, no buried lines).