I'm pricing up a single family residence, 2 story, 3000sq feet. HO has plans with double ovens, range, DW, seperate heat & ac for each floor, exterior hot tub, well pump. I did load calc. and came up with 176 amps. Panel location shown is on interior mech rm of house, so I'm figuring exterior 200a disc and 4 wire feed to panel. My question is, after looking at plans and figuring circuits needed, I need total of 51 breaker spaces. 200amp panel has 40 spaces and was figuring adding subpanel next to main breaker panel to allow for additional circuits. Anything wrong with this code wise? Don't know what else to do in this situation. I could add an additional subpanel just for the second floor, but not enough circuits up there (1000 sq ft) to ease circuits in main panel. Anybody ran into this before?