Not sure what you mean. You can have multiple sub panels and still not overload the main panel. The number of breakers and/or feeders to other sub panels is irrelevant. Only the total load matters. The problem is not the number of breakers or sub panels.
Almost everyone's main panel is "over subscribed" in that the total sum of all the breakers is more and in most cases much more then the main breaker. There is a limit but it is much higher then the main breaker's rating. In practice you would do a load calculation to determine your maximum probable load to size your main service. I did not run the calulation but my service even with the sub panel would never come close to 200 AMP's.
Below is something I found that deals with a question on the NEC test that applies here.
Q8. Is there a code limitation as to the total ampere rating of all circuit breakers in a panel? Example: Could the total ampere rating of all circuit breakers in a 100A panel exceed 100A?
A8. This is not a Code issue. The sum of the ampere rating of the circuit breakers in a panelboard is irrelevant. As a matter of fact, it is very common for the total ampere rating of the branch breakers in a panelboard to far exceed the rating of the panelboard.
Steve
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