Not sure if your utility allowed for planned usage changes (ie, planning to buy an(other) EV, planning to install heat pump). This is what my installer submitted to justify my 180% over-specced solar install. This is PG&E in CA.
San Diego's limit is 150% but if you don't have a heat pump/car charger to start with, you're def going to be at more than 150%. Did you have to show them concrete plans for EV charger or heat pump?