I have Square-D Main Service Panel RC2040M150CH. Notice the checkbox on the left for this particular model.
The preinstalled circuit breaker is QOM2150VH for 150 amps; 200amps equivalent is QOM2200VH. https://stevenengineering.com/Tech_Support/PDFs/45CBMCC.pdf
The Main Service Panel itself is rated as 200amps (see three highlighted places on the photo below). The 150amps preinstalled circuit breaker is what made this MSP RC2040M150CH and not RC2040M200CH.
I think just upgrading main service breaker from QOM2150VH to QOM2200VH will make this MSP completely rated at 200amps, and good to pass inspections?