Looking at a service panel and thinking "Mine is like this so yours must be..." will get you into trouble.
Its even bigger trouble because many folks do not know whats right, so think something working and hasnt failed, is safe.
Because most residences don't have any loads over 100A continuous there are rarely any case of melted busbars either, even when someone does something non compliant. Everyone should do what they feel is right for their own level of safety.
I personally will not allow a non listed connection to a MSP. We simply have too much work to do things that are questionable. If your panel says 100A max, I design partial home backup with the 100% rule.
Interesting things about 200A Center fed panels.
Most often they are really a pair of 100A bus bars connected to a pair of 100A ganged breakers functioning as the 200A main breaker. This overall makes a 200A panel, but no 200A connection is possible on the distribution side.
Just because a breaker or subfeed lug fits does not mean it is rated for what you are doing with it.
Most people think "If the breaker fits it works right?" Actually no, the breakers allowed in a main panel are labeled on the sticker. There are cases where a 225A set of lugs will work and be safe and there are cases where it will fit but not be a safe 225A connection to the bus.
Some jurisdictions will allow quite a bit of leeway here, mostly because its not something they don't realize is an issue.
Here is another example of a great 200A MSP - SC3040M200F Series M02. Its a 225 A service that will take a 200A breaker on the bus.
The one
@BrettS is showing could be rated for this lugs, from the copper buss I suspect its one of the nicer versions. Only the sticker will tell.
The service of
@bayareaever will certainly take a 100A max breaker on the bus so likely this will end up being a partial home backup, using the 100% rule. Whole home backup would be tough in this case, regardless of the PW quantity, unless you were willing to go to a 100A max service
The service of
@pgrovetom1 looks to be questionable as to whether that 225A subfeed lugs is compliant. If you posted a pic of the sticker it would be clear. Looks to say 100A max breaker on the top left.