My hope is that we can find some space by eliminating some things - I don't really need the wine refrigerator, there's also a "Surge Suppressor" taking up two 20amp breakers, and another 20amp breaker for an electronic air cleaner, which i have yet to find. There are a few other unlabeled breakers as well that I need to figure out what they do.You said both your main and house sub panels are full. So, if you are going to have the main panel replaced, now would be a good time to have the replacement panel include a transfer switch to allow you to hook up an emergency generator. Even though a 30A generator (i.e 5500 kw) may meet your emergency needs, have them run the wire for the generator plug-in capable of carrying 50A in case you want to upgrade later.
As for the generator, I already have a transfer switch on the main, it's a 70amp breaker (bottom right). The inside panel has labelled what breakers are on the transfer switch. When we lost power christmas eve, the generator turned on automatically and most of the downstairs outlets and lights worked, as well as the refrigerator and gas furnace. I believe it's a Generac Guardian, 20 or 22kW, natural gas powered. It turns on once a week for a maintenance cycle.
This I was expecting - Walls having paneling. I do like the idea of maybe running fewer outlets, but having them be 4 gang with separate circuits.The circuits in the garage will have to be in conduit if they are not run behind the sheet rock or paneling. As Rob said, all the wall outlets will have to be GFI protected (various ways to do this. GFI breakers (expensive) or GFI outlet on the first outlet coming from the panel, which if wired correctly (in series) will protect the following outlets on the circuit). That said, your electrician should be following code, as well as getting the required permits, etc.
Sorry - I'm just not that sold on running 220 at the moment. Although if I run a subpanel, having capacity to have a 220 circuit in the future I'll do. As stated above, AC is not an option. An EV/Plugin is a possibility, but not in the next 5 years at least with our current vehicles.