Wondering why you have the need to divide the panels?
If I was looking at this, I'd tend towards a 200A service, Main D/C @ the meter (if required by local Code), and a 40 space panel inside. If the local Code didn't require the outside D/C, I'd just make my choice a 200A Main Lug panel inside.
I think you'd have plenty of room with a 40 space - if you needed to, you could break off a subpanel to the garage / work area for your 240v (other than heat/AC/dryer/stove). Why have a separate panel for the 240 if you don't need to? KISS would keep all the 'lectrical stuff' in one space for the homeowners ease of service.
JMHO
DougW
