Thanks for the quick advice. The original post that I made where the
200Amp service question got raised was actually regarding adding a sub-
panel versus nearly filling in my existing panel with new breakers.
The truth is that if this was a single-family home or one I'd plan on
staying in forever, I would probably either upgrade to 200Amp service,
or install a subpanel, or both. But in reality, I think that this
basement finishing project is probably the last/only electrical
addition I'll do to this house, and I'm fairly comfortable adding the
new circuits on my own, while adding a subpanel (while not really that
different from adding a circuit as far as I can tell) is something I'd
be more comfortable hiring it out, and probably costing an additional
$200-300. I probably be here for another 4-6 years before moving
on...so I think I'll be okay with only one remaining blank after this
addition considering I don't plan on adding tools or a hot tub or
anything major. I certainly appreciate all the advice. Thanks again.