up to the latest code.I have lived in this house for 21 years without an issue with the panel. I had an old Federal Pacific panel replaced as soon as I moved in. What is the benefit of a 200 amp upgrade?
also helps with resale.
and the outside disconnect is a cool thing as well
and it helps with more spaces to separate branches in the house.
and more parts for the later model panels.
if you are looking at ats units.
most new ats units are for 200 amp service.