Conduit/Wire for Subpanel

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TwinCounty

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I am considering wiring a subpanel to a second floor in a residential structure.

The feed will be PVC40 conduit on the exterior into the attic, across the attic and down into an interior wall on the second floor.

I'm thinking a 100 or 125 amp, there. Considering a 2-3w/G romex, into a 2in conduit (with bends), and then clamped across the attic, and then down to the panel. This run is around 55 feet (20 up outside, 30 over in attic, and 5 down the wall)

Questions:
1. Can/should I use THHN, and if so, must i also run the conduit through the attic and down the wall. Thinking this because of wire temp rating/derating.
1a. If I use THHN, or other type cable, #2 or #3?
2. Can I use aluminum, either as the 2-3 or the THHN of some size?
3. My review is that voltage drop would be <3 percent. Any thoughts?

Instead of running to the attic, I could run under the elevated house, and then up an interior wall, to the joist space on the ceiling, a couple of feet there, and then up the second story wall to the subpanel. Do I need to place THHN in a conduit under the house, or in the walls/ceiliings? Does it need to be protected?

Elevated houses are raised on piers, 3 feet above the ground, and the underside of the floor joists are exposed.

Finally, another question: running a 60amp 6-3 feed to a detached garage, I suspect I need to use wet location to go the 20 feet underground in a PVC conduit. 18 inches down....? A single run from the main panel would be.....UF? USE-2? I figured on clamping under the house, and then joining the conduit at the rear, and not placing conduit all through underneath. Cu vs Al ? Better/easier/harder to use NM-B from the panel back, and then use USE in the conduit with a junction box?
 
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