Hello,
First, it's great that you are contacting a local area Licensed Electrician. It sounds like you are looking for a 200 amp service upgrade, not just a 'panel change'.
In NJ, when you do a service upgrade, 60-100; 100-200 etc. that is what you get. A new service entrance, new panel with the appropriate main CB, and branch breakers for your existing circuits, and breaker space for future use. The grounding and bonding is also brought up to the current code. There are NO modifications to any internal wiring, circuits with a straight service upgrade.
Installing new circuits, outlets, etc., may be contracted for at the same time as the upgrade. It sounds like you are in the need for some new wiring and having additional circuits installed. Good idea to require a 40-42 circuit NEW panel so you have capacity for future expansions.
