I wouldn't say simply throwing in a 200A SEC is ever the best way to go but I see it all of the time and its because folks don't want to bother with load calcs.
The best way to go, IMO, is to do a load calc. They are so easy to do and it seems that possibly you haven't much experience doing them.
Again, they are easy and they take so much guess work out of projects.
Do the load calcs and if the current SEC is large enough, leave it alone. If the calc is larger than the current SEC, replace with a new set of conductors to meet that load...100A min. Done.
Get 100A panels but size the main breaker for each panel according to the calcs. Done.
You can get 6 to 16 circuit panels rated 100A that can use a backfed dbl pole breaker for a main but make sure everything reads "suitable for service"
Maybe upsize if the owner is considering adding an addition or a pool/hot tub.
Describe the property. Duplex? How many sf per unit? Gas cooking, heat, hot water? Laundry room? Central air?