Losing two spaces is far less costly than what any low-volume loadcenter will cost. In a two or three story house I wouldn't bother with riser panels, as the total load shouldn't be so high that you couldn't simply install a pair of feeders from the 1st floor panel, or feed first floor to second then second floor to third. Given that you say the typical Jamaican house rarely has more than a 60 amp service, how big of a load is on the second and third floor? Even in the US, a 200 amp service could readily be broken up into a pair of 125 or 150 amp MBP's fed directly from a meter/main Service Equipment, or a 200 amp MBP on the first floor with a 100 amp feeder breaker to the second floor MBP mounted on its head. There's any number of ways to economically address these situations.