If you have experience with energy monitoring in residential units, you will have a pretty strong 'seat of the pants' feel for the energy use of a residential apartment. Article 220 calculations for residential units are very conservative and routinely give numbers quite a bit larger than the real peak consumption.
Things like EV charging are changing this math, but I doubt the OP has EV chargers in the apartments.
My _guess_ is that these panels will _never_ see more than 50A of load, and will only rarely see even 30A of load. But that is a pure _guess_. But I agree, the article 220 calculated load is what should be used for the VD analysis, simply for lack of better information.
