Why not go 200 amps each way?
Not a terrible difference in price?
I would definitely consider this option. At least check out the pricing.
I say this often.
Do it right, do it once.
I can give quite a few examples of short term savings that cost big bucks later. It is hard to imagine the power requirements of future upgrades, but they rarely need less power.
It may not be a popular consideration, but EV fast chargers alone would tap that original 100amp without much room for power tools.
We did a three phase conversion at one of our farm sites. Had them do a 300A tformer and subbed out from that point. Dumb move. We spent the money on converting a pile of stuff, but ran out of power for the next upgrade. It only took two years.
We have a nice cabin that was converted to a 200amp service as part of the sale. The previous owners knew more than they admitted. It seemed generous to split the cost on the upgrade. They had converted it to a year around dwelling and used a heat pump. The service is basically tapped already. It must have been unuseable with the 100amp main service.
We updated the main house when we ran geo in 2003. Seemed generous to go with 200 main, 50 sub to garage, and a separate metered 100amp for HVAC. HVAC systems are getting more efficient, so that might hold up. The house would have been fine without the sub. The garage keeps turning into more of a shop. In relative terms, it's going to cost me big bucks to fix the power compared to doing it right the first time.