If you are going to install a dedicated service with its own meter, 200 amp is definitely the way to go. The extra cost is not very much from a 100 amp service.
I will caution you on a few things about a dedicated service though. I have one for my detached garage. I am in Virginia, so things may be different in NC. An extra meter creates a 2nd power bill for me each month that does have a minimum charge. For the first 20 years, my total bill was only $13-$20 every month. I only run my planer and dust collector in the detached garage as my main shop is in my house's basement, so I don't use much electricity. My power company, Appalachian Power, has jumped their rates up every year for the past 3 years. In May of 2023, I used 143 kwh and my bill was $33.28. My costs have almost doubled for the dedicated service with the rate increases.
Also, in Virginia, localities such as town, county, city can add a local tax. It is maxed out to $3 for a home. But, the power company treats my garage the same as a business even though it is at my residence and on the same lot. Because of this, my county can charge a higher tax on the garage, that maxes out at $20. For the past 10 months, my local tax for the garage has averaged 12% of my bill which is an outrageous tax percentage.
So, just investigate what your extra meter will cost you and factor that in. If you put in a 400 amp service to your house, it may be better cost wise to run a sub-panel off that.