I guess what I'm getting at is if a smaller wire and breaker fulfills the nec min let's say the 120 amps, 1/0 is required for 125 amp breaker, and customer wants bigger, are we required to install to the maximum potential load 250 mcm with 200 amp breaker or is it still sufficient to go with a 4/0 (180 amps) and use the next size up? We have unknown potential loads.
By increasing the panel size above what is required, are we designing now (nec is not a design manual)? Should we be restricted to only what is required then by the nec for the same reason (nec is not a design manual)?
Thoughts, opinions, or am I just way off base and need a beer lol?