14 is all that would be required. I'd recommend 12 for the garage, though, as the words 'Power Tools" comes to mind. Table saw, air compressor, ShopVac, drill press.... all can use a lot of power and you don't want to skimp in that area.
But for the basement, porch and patio, you can get by with 14 on a 15amp circiut.
As for your service, unless you have a noticable problem with a lack of power (ie, the lights dim when the AC comes on, or the main constantly trips), there's no need to upgrade. Spend the money on a table saw, compressor, ShopVac and a drill press instead.