Yep, I'm going to get in touch with an electrician and also Duke, to explore options.
If my existing service isn't going to handle the garage load, I will need a new drop from the transformer, and can then do whatever is needed. Unless I'm totally missing what you're saying, and could get by with sharing the existing 200A service between the house and the garage.
I'm just not sure the math makes sense there, but I'll have to add the loads up and see. Realistically, it would need to handle both HVAC systems, the house water heater, some lights, the compressor (if it kicks on from tank pressure), and the lift (or welder) at the same time, plus minor other loads and some margin. Basically, everything that is automatically controlled needs to be able to run at once, plus the optional things like lift or welder (either, not both). Maybe washer and dryer too.
It's not a good compromise to cuts things too close (for load capacity) if my wife can't do laundry just because I'm working in the garage, for example.