the breakers in my panel for just heat alone is 120A worth of breakers
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20 kW is only about 83 amps at 240 V.
Look for the nameplate on the heating elements.
Resistive heat draws more until the elements heat up to operating temperature.
Then they draw there rated output power.
120 A at 240 V is closer to 29 kW.
A pair of 200 A panels is far more common than using anything larger.
200 A service is very 'standard' so there is a huge manufacturing volume.
I have seen 100 A panels actually cost more than 200 A panels.
Even 'no main breaker' panels can cost extra since they are not used as much.
I have purchased 200 A panels with main breakers, removed the main, closed up the hole (screwed in place sheet metal scrap), then back feed one breaker in the panel (that breaker must be fastened in place) and spent less than a smaller panel.
I generally try to use the same type of panel for all the panels.
Makes sparing breakers a lot easier.
Brand availability varies from area to area.