I'm going with a Square-D 200A 40 slot/40 circuit QO panel. This pretty much fills it up and with spray foam insulation I'm hoping that there aren't ever any changes necessary except in the ceiling which will be open enough to re-order the lights.

This feels excessive, and likely running several hundred dollars extra to have dual 120 circuits on each wall. I'd like feedback on whether this is complete overkill. I guess the answer to that is obviously yes, but is it good overkill?