unfortunately, your idea of splitting the line before the main panels is not going to fly. It will indeed work, but its not at all recommended.
you will have to upgrade your service to 200amp, then replace your existing main panel with a 200 amp service panel. you will then have to run a 100 amp breaker to another 100 amp sub panel.
this is the only way you will get away with this legally and safely.
it sounds like a lot of complication, but rest assured, its there for a very good reason.
on another point, you sure it only costs 372.00 for a 200 amp upgrade?
the last time i checked that out, it was more like 2000.00
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