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I agree the quote is high. The existing service limitation is a problem. I like the idea of a new 200A main panel that subfeeds the existing panel and the 60A in the garage.
If it were my project, I would pay for the new main panel install at a legal location and have the electrician feed the old panel. The I would do the 60A panel in the garage myself. I'd run it overhead and do the gate under it.
It's not difficult and you're handy enough. You don't even have to install the 240V outlet in the sub panel now. Just do it when you eventually need it. Same with the wife's kiln.
I installed a 60A sub in my detach garage (trenches 40 ft between the house and the garage, installed conduit and pulled wires). It was a lot easier than I thought it would be. I had help from a guy who knew electrical work, but it was mostly me. Discussed the design with the inspector and asked questions when I needed to. They were more than happy to advise and the inspection went off without a hitch.
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