I have 2 100 amp sub panels and each one is protected by a 100 amp breaker in the main box. At the sub panel, I have a 100 amp main breaker at the top, and neither of these sub panels are full, but I can see the day that I will need some additional breaker space. I like keeping only 3 or 4 receptacles on a breaker, since that way, if one trips, I don't have to go back to the panel and reset it immediately, but can use another receptacle to keep working until I am finished. I can also say that using this method, I have not had an y breakers trip in more years than I can remember. In the house itself, each room has a minimum of 2 breakers serving the receptacles and the lighting is on its on breaker. It might be overkill and unnecessary expense, but it wasn't very expensive to do it this way 25 years ago. Copper wire was cheap.......