Thanks ... foo1bar corrected me that I am safe to put 40amp supply from solar (plan for up to 8kw in future) and 40amp charge for electric car on the 100a panel 
My decision to go with the second panel of 125amp for solar and electrical is right then.
I just do the math - solar (40) + ac (40) + ev car (40) = 120a. So I need 100a or 125a panel to be sure.

My decision to go with the second panel of 125amp for solar and electrical is right then.
I just do the math - solar (40) + ac (40) + ev car (40) = 120a. So I need 100a or 125a panel to be sure.
Comment