[Piotrsko]

195 amps worth of breakers doesn't imply the 200 amp box is near capacity. Your 200 amp box simply means that's the most it will provide before probably the main breakers open. If you total up all the breakers in my 70 year old box, it is double the 100 amp rating but the probability of drawing 100 amps at one time is miniscule since the stove, water heater, HVAC, dryer only total up to 75 amps. That gives me the availability of 25 + amps for surge on start.

Oddly, here in Reno it is space for breakers that determines whether or not you can expand. Most everyone adds a sub box and moves a pair of breakers to that