I have a somewhat different perspective, but agree that it takes some Man-maths to justify the bigger battery ... and if you genuinely don't need it then you definitely don't need it.
Occasionally you might find you are sitting at a super charger for fifteen minutes longer than you would have done had you bought the 100D and very occasionally you might do an extra super charger stop.
I drive about 27,000 miles p.a. use a Supercharger about one day a month (sometimes twice on that day). If I had a 75 (rather than 90 in my case) I'd use a Supercharger on about 3 days a month; allowing for the time to get off the road into the services and some charging time even a splash-and-dash is probably minimum 15 minutes, and perhaps 30 minutes for a 100 mile top-up. On my occasional longer journeys I'd add 30 minutes or more in 75 rather than 100. Those savings are definitely worth £300 a month to me ...
Self-driving and autopilot I can drive myself.
That's not my view. I arrive FAR more refreshed on AP than I ever did driving myself, and I have had at least one occasion where AP (most probably) saved me rear-ending a car. Joined highway, engaged AP, a few 100 yards later looked down at dash. I was at a sensible distance from car in front, had reasonable view of road / traffic beyond that, but as I looked down the traffic slowed up abruptly, first I knew about it was because AP was slowing down. Maybe I would have seen, and reacted, in time .... either way, I don't care if ME or AP deals with danger, the both of us is better than either of us on our own. Cheaper insurance with AP too (in UK at least). Bumper-to-bumper traffic is FAR less stressful / effort than manual driving too. Plenty of that in the UK ...
150 miles in virtually any direction from my house will see me at/near the coast
That's fine if you have charging at destination. My normal max-range journey is also 100-150 miles max, but its an out-and-back journey so going to need some charging.
So, anything ~200 miles or less round trip Neither have to charge, and anything over ~250 miles you will have to charge with both. That leaves a ~25 mile extra distance from home range that you can make in a 100D than a 75D, not likely to happen all that often and if it does it takes 10-15 minutes to get that extra range at a supercharger.
I do the maths a bit differently.
My 90 is good for 220 real-world miles (normal, fine, warm day) if 100% charged. Worst case I have ever had was charged to 100% at departure, 160 mile journey, torrential rain, and arrived with only 1%
If my journey is 160+ miles I (now) charge to 100%. I do get detours for one reason or another: road closed, Waze takes me the wrong way round M25,(because its going to save hours!), or Wife calling me and wants me to pick something up ... in all such cases chances are with a 75 I would be needing to charge or I would forgo the the option (not if the journey was short in the first place of course ... but on a longer journey if the unexpected requires extra-charging its a PITA)
For me a larger battery is about:
On a longer journey stop for less time to charge, and borderline journeys no charging needed at all (i.e. where a 75 would need charging). If you can do Emails at the Supercharger, which you would otherwise have to do when you got home, it makes no difference, and the enforced-rest is good for the driver anyway. But for a passenger it just prolongs the journey ... my wife is quite happy to Supercharge, but she hates the delay when I am driving ...
I most definitely do NOT want to have to charge on outbound leg. I have an arrival time (e.g. with client) and don't want risk that the stalls are full and I have to wait, or the charger is running slow for some reason. On the way home I don't care much, I just arrive home a bit later (having done some extra emails ...). So absolutely do not want a battery that requires any (reasonable length) journey to require outbound-charge. If I cannot get to Client AND back to Supercharger then I would have to charge on Outbound leg.
Superchargers are not that abundant in the UK. Of course that situation is improving all the time ... and my purchase decision was based on how it was, back then, a couple of years ago. If buying today I would review all the out-of-range journeys that I am likely to make, and see how well they are served by Superchargers. I can get up the A1 in the 90 where (in a 75) I would probably have to detour to the M1 to get a Supercharger for some of the east-side-of-country places that I visit.
Bigger battery also gives more options as to WHERE to charge. Supercharger stop can involve a detour (if not en-route) so that's more miles used detouring there, and back ... and time. Or using a slower charger to avoid the detour ... if bigger battery enables charging somewhere more convenient, and avoids that detour/delay, there is a cost/benefit to consider.
If you have CHAdeMO (what's that? £300-ish perhaps??) then you have a fall back for 50%-supercharger speed, but if not you are on Type-2 and that's dismally slow unless you are there for a long time for other reasons. I've used my CHAdeMO twice in two years, but my guesstimate is that if I had 75 I (in my circumstances) would have had to use it more. Probably to the tune of several £n,000 of my time ... (but Cash is King of course, so Man-Maths involved to justify spending any extra cash!)
The other edge-condition is for the travelling-salesman. Stopping multiple times, for an hour, in winter lets the battery cool and the energy used for the first 10-20 minutes of each resumed journey is horrific. Luckily I don't have that type of usage. (If you can plug in, even to 13AMP, at each client then that would significantly mitigate that resume-journey energy penalty)
@Dilvid My recommendation would be to try out your worst-case routes in
A Better Route Planner. You can set MS / MX (or M3 even) and 75 or 100 (make sure that the Wh/mile changes appropriately when you select a different vehicle type), and if you like you can also set temperature to 0C and a reasonable wind speed, and for the worse possible journey select the "Heavy rain" energy-penalty. It will route you via Superchargers if needed, so easy to compare how a journey would be with one model vs. another.
(You might want to also have a look in the UK Sub-Forum - folk there may miss posts in the main forums as they are so busy - by comparison the
UK-forum is a backwater, but the incumbents may have useful info
)