Ok, for starters, I rarely shoot ISO 400 films in my 35mm. I know that a lot of people use it for almost everything, but I don't use it very often. If I am going to load film for daylight work then it will be a slower speed film, usually ISO 100. If I do go inside then I pop on a flash. If I know I will need a high speed film in advance then I almost always go to Fuji 800, or even 1600 (I still have some of that left in the freezer.)
Of all the consumer films I absolutely love Kodak 100 and 200 films the most, but Fuji 400 and 800 are the tops in the higher speeds. I just cannot get consistent results out of Kodak UMax 400 no matter what I try with it. The best results I have gotten from Kodak 400 is when I de-rate it and shoot it at ISO 200. But if I am going to do that I may as well shoot Kodak 200.
Slide film is an entirely different matter. I love Fuji Provia 400, I just wish it were not so expensive to use.