IMO, the only time you should see a 20A breaker is when you have 12GA or heavier wire on the circuit. Most homes are wired with 14GA which is fine for 15A.
There is no doubt that a 100A entry is a basic minimum these days and the value of your home will improve if you get the upgrade. And yes, they change the wire from the pole to your house to handle the extra current. The whole process involves a fair bit of labour and materials -hence the cost.
In a pinch though what I would do (and this is not necessarily ok by code but...) is to run a second circuit (wire and GFCI outlet) to near your tank and add an extra breaker to your panel.
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-Mark
29 Gal Bowfront w/24" LED Lights. DIY HOB Sump (5.4 Gal) MP40. Orange Spotted Watchman Goby, 2 Clownfish and a few hermits.
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