I guess it all depends on what you're trying to shoot. For indoor shooting with typical lighting, f/2.8 and iso400 "sounds low" unless you're using really slow shutter speeds, but that's based on my own indoor shooting conditions.
Shooting my 9 month old daughter indoors, I need a minimum of 1/125s shutter speed to avoid tossing too many photos away due to motion blur. I can pull that off at iso1600 and f/2, but then I have relatively noisy photos due to the high ISO, and lose a lot of shots due to focus errors since there's little depth of field at f/2. I prefer to shoot between f/2.8 and f/5.6 (usually f/4) which gives me enough depth of field to avoid focus errors but still tight enough to get some nice blur in the background to make my daughter pop out a little. But short of having a camera body that would give me clean and detailed results between iso3200 and 6400, that means I use a flash and shoot at about iso400 instead.
Ususally I shoot in Manual mode (typically locked at 1/125s and f/4) and let Auto ISO on my Nikons figure the rest of the exposure out, along with the flash. Works great. In Av mode on a Canon, if you get consistently dark shots, just hit the exposure compensation button and increase it by about a stop. In Av mode, it'll do that by lowering the shutter speed. You'll just need to watch that your shutter speed doesn't get too slow for whatever you're shooting or the focal length you're using and end up with blurred photos. If you do, you can either use an even larger aperture like f/2 if you have a prime lens, or crank up the iso by a stop to 800. f/2 will give a tighter depth of field with less in focus which may or may not be appropriate, and iso800 will be noisier which may or may not be acceptable. It all depends on what you're trying to shoot, if it's moving or not, what focal length, how much you want in focus, etc...