Are you serious. Your dust collector if its a 2 HP motor may draw lose to 20 amps, the table saw again I doubt it draws 20 amps. Both those things may draw close to 20 amps on start up only. 20 amps worth of fluorescent lighting? How many light are we talking. Really a mini fridge and TV are negligible in amperage draw.
I have 60 amps service. 60 amps is 60 on each of two legs so if your talking 110 volts you actually have 120 amps. I have a 10k and 12k but window units, 20 compact fluorescent bulbs and (20) 4' T-8 fluorescent bulbs, 4 floodlights, a stereo and or Tv, a mini fridge, dust collector, 4 HP ompressor (220v) and any number of power tools from a 3 HP 220 table saw down that can run at one time and the lights don't even dim.
My only problem to date is the drum sander overloading when I tried to take off to much at a time. Not a single other problem.
Now with that said, I don't disagree if your running the power run the 100 amp if you can. I disagree with our assumption of power consumption and view of how little can be ran on a 60 amp service panel.