100 amps in a 3 bed would be pretty common. If you run the numbers you will probably see that it is fine, which saves you from having to replace the feeders. I would look for a minimum of 24 circuit capacity for a 1000-1500 sq home.
If you have a lot of devices requiring 220V- electric water heater, air compressor, welder, hot tub, central air, cooktop, oven, etc, etc, then I would seriously consider going to 150 or 200A with more space for additional circuits.
Remember, you only want to do this once.