Some commercial properties, such as yours don't need much. A hardware store has lighting and HVAC.
Doing an actual load calculation, by figuring out just what appliances are used etc. would help you size the service.
To avoid another "base charge" have the service upgraded to 400 Amp.
Midwest Electric Products, Inc. has some interesting SE meter panels. For instance 400 A service, with two 200 A mains and 8 additional circuits.
Usually the max breaker size is limited to 100A for a standard panel.
So, you could do a 100, 100, 200 and you might make everyone happy. You could take the 200 and create a common zone sub-panel.
Sometimes load-sheading can work, or it can mean training, Like: you can't have microwave, toaster and curling iron on at the same time.
You can sub-meter and have instant power consumption displayed, so you know what the loads are.
It would be wise to tabulate the loads in any event. Any load that's may be on for three hours or more is classified as continuous and it's load multiplied by 1.25. Space heating is considered continuous.