What panel are you planning to use that accepts a 200 amp or 150 amp breaker? Most of them do not accept breakers larger than 100 amps.
If you do the load calcs you will see that a 100 amp feeder to the inside panel is more than enough to supply all of the 120 loads in a 3000 sqft dwelling. If you just looking to have more circuit space you can still supply a 200 amp 40 circuit panel with a 100 amp feeder.
