I would even go for a 300A panel, if that's possible and you're in for the long term.
I too upgraded my old house from 100A to 200A service when I install solar PV several years ago. After installing 2x 60A outlets for EVSE's to charge 2 EVs, as well as A/C (30A), that's 150A/200A already used just for these 3 circuits. The remaining 50A is used for regular 20A circuits around the house. My panel is now full and electricians are weary of adding any more circuits.
I only had 1 EV when I did the panel upgrade and did not have central A/C, so I didn't think ahead. Now I regret it every day and am even considering upgrading to 300A+. Unfortunately according to electricians, I can't simply swap the 200A breaker for a 300A breaker as the panel itself is only rated up for 200A. And as you found out, the cost for another panel upgrade to 300A is in the thousands of $ and financially, I can't justify it since I just did an upgrade to 200A recently.