dp412,
From all these great responses, I hope you gleaned the following:
1) You won't be able to HEAR the difference in power of any AVR in the $400 range.
2) At normal levels, any $400 AVR won't even come close to using its max power.
3) If you like LOUD, get an AVR with preouts, so you can add an amp later, (if you want).
4) Focus on features, not power. (You can add power, not features.)
5) Denon/Marantz and Yamaha are generally considered good choices here.
Now that you're gonna focus on FEATURES, feel free to ask more questions if you don't understand. YPAO, Audyssey, preouts, sub mgmt, dual sub mgmt... you got all that, right?