Yes, the two 200A Discos is the way I'll go with this, thanks.
Got the materials quote today, and looks like the materials will come closer to $1700 (deflation?) and I'll keep the labor in the 80 man-hour range as well.
Figure I'll ask for $3500, then let 'em drop me to $3300 so they'll feel good about themselves.
Yes, the panels will have MCBs.
Thanks for all the help!