I had quit before I tested the line going into the main breaker. When I finally tested it myself, I found there was 220 coming in to the breakers. There was no reason to call SDGE at all.
I've changed circuit breakers before. It's actually pretty easy. Once you flip the main, there's no power to the bus and the breakers can't shock you. This was different as I'd never changed a main before so I called an electrician. He's going to change the main, but I came home and looked up how to change a main breaker on YouTube.
The simple answer is you cheat. Dig this.
You remove the meter? That's crazy talk! That belongs to SDGE!
Of course you remove the meter. That's where the incoming power is, well, incoming. Once you shut it off there, replacing the main is trivial, it's just replacing a breaker like any other. Sigh.
I still think removing the meter is cheating.