With where 'things' are going today, I say go to 200 amps. The panel accommodates 40 breakers. If your current panel is maxed-out, you'll need the bigger panel anyway.
Plus, if your panel is anything like my OLD panel, there were 3 breakers DOUBLE-WIRED!!! This is not code compliant. The contractor needed to do a few additional things too. I needed a larger service feed into the panel from outside. (This is easy for them to do.) Plus, I got a new meter.
Others may say differently but that's my $.02. My best to ya and hope this helps.