Ok, if I have 100 AMP panel, in 60 degree ambient temperature, how would I size the wire??

Do I just do 100A x 1.25 for continuous = 125A then Table 5A says at 60 degrees using the middle column wire is .67
so then 125A / .67 = 186.5
So then I go back to table 2 using the middle column wire, I would choose 3 aught? (210AMP rated)

OR:
since 100AMP panel can use #3 rated for 105AMP. I just goto 105AMP / .67 for the 60 degree ambient temp and get: 156.7 = 2 aught (185AMP rated wire from middle column of Table 2 )

OR
is 100amp panels with #3 wire feeders only allowed for residential dwellings, and since it doesn't specify as a residential application/installation for this panel do I stick to the first method?

Thank you.