Everything I can tell you is an opinion but I will give you mine anyway, with an attempt at my reasons.
First, in spite of what the warm tropical divers tell you, consider our enviroment. Michigan diving will either be a cold, dark quarry/small inland lake with less than pristine vis or a cold dark and deep large (Great) lake with low vis also. You will be wearing more thermal protection, possibly a dry suit and in these conditions your air consumption will be greater than in the Florida Keys. Don't beat yourself up about your air usage. Even if all you are doing is looking at your dock pilings, is there a reason to NOT have an excess supply of air, if possible? They use alum. 80's on dive charters in the tropics mostly as a way to shorten your dives so as to do two trips a day and to take up less space, not because their's no need for larger tanks.
In Michigan you are more likely to get a good fill with a LP tank than HP. Also, you are more likely to find a shop that will give you somewhat of an overfill with a LP tank than HP. I don't want to start a scuba police rant about the DOT and overfills but I will take an overfill anyday vs an underfill. All of my equipment can handle a 3400 PSI fill. That's well under the design safety margins of OMS tanks and my reg yoke is rated at 3500 anyway. The OMS tanks are filled to rated capacity at 10% over 2400 PSI, or 2640 PSI. You could push a 100 CF tank to 128 CF with a 3400 PSI fill.
As far as the tank size, you need to assess your goals and current use as well as your physical ability. If you are capable of handling the size and weight of a 120, go for it. If you want something to double up in the future, maybe a 120 is too much weight, so start at about 100 CF. The OMS 112's are also a nice compromise.