Another thing to keep in mind. Insurance is not going to cover a plane out of 100hr. Go over .1hrs, and have an accident, and not only worry about the FAA (who can, and likely will go after you, the 10hrs is for transport back if you are stuck in podunk, not to allow you to go past the 100 each time) but the almighty insurance company, who is going to say, you were not legal, and you are now going to have to cover all cost of said accident, since you were not covered at all by their insurance. Then wait for the business/fbo to go after you, because you flew it uninsured, and start looking for a new place to fly most likely.
Simple way to avoid the 100hr over issue. Just don't do it. Get the plane to the shop _before_ the 100hr of tach time has gone, per the regs. Most inspections will likely be done in the 98-99hr of tach time then.