My custom home will be built soon.

- Main floor: 2048SF: 1 full bath + 1 Master room with full bath/shower (no tub) + Washer/Dryer (utility room) + Kitchen + Microwave Oven + kitchen vent-to-outside + 2 chandelier motor with keyswitch + 3 car garage + 44 recessed lights

- Second floor: 1705 SF + 607SF finished bonus room: 1 Master (toilet room + shower + air jet tub + walking closet) + 1 bedroom with full bath (bath tub, no shower) + 1 bed room + 1 hall full bath (no shower) + finished bonus room

- Basement: 2048SF unfinished : 1 single door + 1 double door+ 1 finished full bath shower (no tub) + Washer/Dryer +

Exterior:
- 1 lighting pole (driveway/frontdoor)
- 3 sets flood lights for 3 corners
- 1 spot light on ground (window)
- 13 recessed lights around windows
- 3 lights for back patio

Interior:
- 2 HVAC/Gas forced furnaces (1 furnace in basement + 1 furnace in attic)
- Traditional gas tank water heater
- Gas Cook top
- Electric Washer/Dryer (1 set in basement + 1 set on main floor)
- Electric Oven

According to those above, do I need 400 AMP or 200 AMP Service? One sub panel for future use in basement or 1 sub panel in garage would be adequate?

Also, should I use separate circuit for my music system? (I would like enough current for my Amp to produce sound listening to the max of quality from two speakers. ).

Would be greatly appreciate for all inputs!