I use aluminum SE cables for residential services and feeders all the time. I’ve never had a problem with any installation in over 25 years.
From what I read in your post, I sounds like you would need to use either #1CU SER or 1/0 AL SER for that 100A/20CKT sub panel, since this is not being used for a main power feeder as described in 310.15 B [6].
Art. 338.18, B, [4] also refers to 334.80 for the ampacity of SE cables used for interior installations, which is ultimately 60-degree C.
I don’t know why, but to me, it seems like the NEC is trying to limit SE cable use inside of buildings.