It is hard to tell because of it is totally depending on your diving environment.
I don't think an overfill practice on LP is common in So Cal, specially in the charter boat. (Please let me know if I am wrong). And, I am not sure if you need that much air (overfill) for the wreck diving.
I have three 130cfs and a 119cfs. But, if I do it agian, I will get all LP tanks because it will give less fatigue to the compressor and easy to get a right fill.
HP 100 is a great tank, but there is no point if you can't get a right fill (I mean a real right fill, not 3200, 3300, or 3400 psi).
My 2 bar!
Are you sure that your back will be fine? I hope so....