elguillermo said:
Final update:
The Oakland inspector came to my house and approved the install. He check the overall install and unscrewed the panel to ensure the breaker was properly wired. That was it.
Ultimately, I discovered that the first guy who came to evaluate my house did not know what he was talking about. I could have run everything on my current 100 amps main breaker.
Hopefully my experience can help some of you out there.
Of course you can! You can have 100s of amps of breakers all fed by 100Amp main. Each breaker protects the wire after it so it will flip before the wire draws too much current and overheats. So if 8 20A breakers have "on" items all actively drawing 19 Amps, none will flip but the main will because you are drawing over 100 amps through it. That is what it is designed to do. It is protecting the incoming wire.
But you have to remember that homes are wired for 240V so while there are some things (e.g. electric ranges, central air, electric dryer, 240V leaf charger) that use both sides, the rest of the breakers use only one side so those 8 20A breakers drawing 19A each would not trip the 100A main if 3 of them were on the opposite half of the service connection because they only use 120V.
Even more than that, not all items draw full current all the time. A 50A range probably never draws anywhere near that even with all burners full blast along with the oven. Similarly the A/C might draw close to its rated breaker only when starting up but much lower when running. And all those lights, motors, etc in the house are never all on at the same time or drawing their maximum current.
And even more than more than that, while electric use may be higher because we have more electric items than we used to, the use of fluorescent bulbs and other energy efficient items everywhere was never envisioned by designers of years past. For example, one 15A breaker in my house covers kitchen and hall lights but with fluorescents everywhere, I only draw 80W +80W +80W +20W +20W +20W +20W +20W = less than 4Amps because all the incandescents are gone. If you replaced your central A/C with one of the same capacity as was originally in the house, you are using far less than the original 30A 240V breaker had to support when installed.