We are on a gas furnace and and a gas hot water tank, but the basement / ground floor has a few electric baseboard heaters that gets used in the winter as well.
I think the breakers are doubled / tripled up because of a lack of space in the panel.
Personally, given how we have operated without any major issues (ie. frequent tripping of fuses and stuff) since forever, I am not really terribly concerned about the 100A being insufficient. However, from just googling, it seems like the doubling up could range from anything between an inconvenience to a potential safety hazard, so I guess something would still need to be done?
What would this sub-panel option be like? Does it just take a line off the main panel, branch off on its own, and then act like a hub for other lines to tap into it with its own circuit breakers? If that's the case, wouldn't it just mean the entire subpanel can only support 15A's worth of juice?
IIRC, I think the home inspector said that every single breaker / switch was at least double tapped (a few were triple tapped) LOL~
Again, I apologize for my ignorance because I really dunno shxt about this electrical stuff.