Take a load diet.
Technology Connections talks about this on their "fully electrify on 100A service" pair of videos.
Right off the bat, tank water heater goes away and gets replaced by a PURE (not "hybrid") heat pump water heater, becoming 1500W.
You should get some space on 220.55, rarely does cooking equipment calculate over 8000 VA.
All those over 8000 watts of last-century electric resistance floor heaters, bye bye! Replace with hydronic/water loop fed by an R290 monobloc heat pump of maybe 2000 watts.
EV charging - this is my favorite -- GONE! Byebye. Right out of the Load Calculation. Using EVEMS / Dynamic Load Management and readily available hardwired EV stations well under $1000. This also unbridles charging speed, max speed is now 11,520 watts (300 miles a night) using common kit, and 19,200 watts (500 miles a night) using exotic kit.
Not that charging "needs" unbridling - 20A/240V (4800W circuit giving 3840W charge) is still 100 miles a night, and that's plenty for 95% of people. That's 36,000 miles a year, 3 times what most drive.
Well, if you had more EVs maybe. Right now, we have Power Sharing where you allocate a fixed block of power (say 30A) to the lot and they split it dynamically as cars plug in and finish. We can't YET do Power Sharing on top of dynamic load management, but that's in the pipeline. Europe has had this for a few years, and it works fine.
For now my recommendation is 1 very small station (240V/15A) for minimum bite out of the Load Calc (2.88 kW), and one large EVEMS/DLM station. And of course level 1 charging for 3rd cars and beyond. Then you just make judicious choices of which car gets the big station tonight.
Use NEC 220.82 Alternate Method not standard method.
The standard method is for everything from dockyards to refineries to malls. 220.82 is specifically made for dwellings and tends to give more favorable numbers.
I recommend Sacramento's worksheet which captures 220.82 accurately. Note EVs are a 100% load.
For instance I see you have almost everything below line 3 being computed as a 75% or 100% load. That is required for EV charging and air conditioning/heat pumps in NEC 220.82, however electric space heating is a 65% load and everything else is a 40% load.