One consideration is how much load you have in the house and garage... if you run electric heat in either you'll pretty much be automatically steered to 200A. Find out from your power provider if they will upgrade your incoming service to 200A, some will leave the original 100A feed from the street even though you have upgraded everything in your house to 200A -so then its wasted $$. Sticking with 100A (if this is what your house is) will save you some $ from replacing the meter socket etc., and you'll probably want a 48 circuit panel to give you some room for breakers and increase your flexibility. The amount of breakers isnt really an issue i probably had 300-400 amps of breakers in my 100A panel, 60 to the garage, a hot tub, etc.and i had no problems with 100A. If you think you'll be using a welder, air compressor, cooking, heating and washing clothes at the same time with all the lights on, then go 200A.
Quick SS, you probably know more about this than me, but if he wanted to, he could put in a 200A load centre, and leave his 100A incoming and upgrade at a later time if necessary? generally the only difference between the 100 or 200A tub is the larger bus bars (and the main breaker if you buy the kit)...so you can go down in Amps just not up...
Ak
Well let me start with saying, that whatever the power company does has for the most part no effect on what you do in your house. If the power companies laterals are only rated for 60 amps, he can still put in a 200 amp service and draw 200 amps. Nothing outside limits how much amperage a house can draw. The 200 amp main breaker is to protect your equipment, not the power companies. Not many people know this, but if you start at your main breaker and work backwards, so going outside, their is nothing that wil trip or turn off in the case of a fault. Well I shouldn't say nothing, typically it is like a 3 amp fuse in the transformer, but when you are pushing nearly 6000 volts thru it, that 3 amp fuse is not going to trip for anything. So as long as you are allowed, put on the service size you want. I have done many many houses with 325 amp services on them.
Second the largest panel you can get in 100 amp configuration is 32 space panel and two of those are gone with the main breaker. So 30 spots max. In 200 amp, you can get 42 space panels, again two are taken away with the main breaker so 40 available spaces. This is a NEC code that limits the panel sizes.
As far as putting a 200 amp load center on a 100 amp service, no, not legally. Here's how that works:
All electrical equipment must be listed and labeled. So a meter socket is either labled for 100 amp or 200 amps, or larger. The meter socket enclosure itself doesn't matter for the most part, it's the lugs inside the enclosure that are rated. Now the main breaker is there to protect the service entrance conductors, those that go between the meter socket and the main disconnect. So if you put a 200 amp breaker on a 100 amp meter socket, what you are doing is using a 200 amp over current protection device to protect conductors that are only rated for 100 amps. If you change the service entrance conductors to say 4/0 aluminum then the conductors will handle the 200 amps, but now the meter socket lugs can't.
Now you could go the other way if the local power company allowed it, ours here won't. But you could do a 200 amp meter socket, and then install #2 aluminum conductors and a 100 amp main breaker and it would be safe.
Jeff