Usually you handle the "main disconnect" by getting a panel with a main breaker.
Remember: You're allowed to get a panel which is *greater* than 100A. There is nothing wrong with that. It's like getting 130 mph tires instead of 85 mph tires, probably a good idea if you actually do drive 85 mph
Also, everybody goes "I just need a few spaces." Then later they go "my panel is full". Spaces are dirt cheap *before* you buy the panel... so I recommend going ape-crazy. A 30-space subpanel for a 100A feed to a shop is not excessive. It's a tiny part of overall project cost, and it makes sure you're not painted into a corner later.
The trope is the novice who proudly scrimps on the panel whilst insisting on very expensive copper wire for the cable run. Saves $20, wastes $300, then runs out of spaces. Aluminum is a good choice for feeder. #1 Al is perfectly fine for a 100A panel, unless your distance is excessive, then 1/0. Price it out... you'll like it.