I think it is more proper to say the grounding resistor allows a maximum of 400A of ground current to flow. Any impedance in the fault will lower the current to some level below 400A.
Rockman, your basic approach sounds like it is on track. I would say that in general, you need to make sure that coordination is a very application specific task and rules of thumb don't apply to all situations. As Lionel points out, you definitely need to pay attention to your time dial settings in addition to your pick up values for the feeders to make sure you have sufficient gap between your curves to allow downstream devices to clear before the main. Also, do the main relay and NGR relay trip the same device? If so, then you can stack these curves on top of each other to help allow more margin for coordination downstream devices.
For your other quesitons:
1) Load imbalance will flow back through the NGR, so you will see some currrent if you have significant imbalance.
2) The basic approach would not necessarily change, but you would typically allow for higher values on trip points. This is one of those cases where it is application specific, so you would have to run a study to find your max and min ground currents and then look at the capabilities of the equipment you have to protect from damage.
3) Once again, this is a bit of case by case application. You can get around transformer inrush by adjusting time delay or pick up values. An instantaneous trip will not trip on inrush if it is set high enough.
Jim