200 amp main breaker in 125amp panel?

[Arcingwild]

A better strategy might be to get the panel on which the sticker says 200A, swap a 125A breaker into it, and hold on to the factory 200A breaker for your later plans. I say 'might' because regardless you have to get poco and AHJ to agree.

If it says 200 amp POCO wants to upgrade the service lat. And they want $4k for the wire install alone. Trying to get this panel installed soon so I can do the solar at the house and get my 30% credit. Once I'm saving the money from the poco I can afford/justify the $4k. But looks like if I really want to do the 200a it's going to be the same song and dance later down the road. New panel the whole 9.

 

[Frankencar]

What did you finally decide to do? Did you go with the like-for-like 125, or bit the bullet and go to 200? From what I understand, these panels are all the same except for main and labelling.