Get the QO. It’s a nicer panel with real copper etc. really doesn’t cost much more.

Do 200 amps. No question. The morons that put the old panel in my house had a 125 when the house had 200 delivered. So I could watch the lights dim big time when the ac kicked. It’s not even very old hvac. Went to 200 and you barely notice. Plus I can do much more now and have added about four breakers already. Too boot, they are on the way to banning gas and you’ll be ready to charge something when they take away your choice.