Well, it's 1.3 stops over the raw ISO. Normal EI for that film is 1600-3200 which is already almost 1-2 stops over. Simply dial back from that and you're back around 1000 again. This is why I believe 400 is a bit unnecessary.
And you may be right, OP needs to go shoot and see.
Mark Barendt, Ignacio, CO
"We do not see things the way they are. We see things the way we are." Ana´s Nin