I weigh 125 lbs and race (michelin pro race, 23) with 120 psi for road races, crits, whatever, although I have been known to push it up to about 130 for a short TT, mainly for psychological reasons. For training I use whatever tires are handy - Specialized, Michelin, leftover racing tires, whatever - and although I pump them up to 120, I don't top them up every day and do a lot of riding on them at around 100-110 without any problems at all. Better tires with high thread counts will perform well at the lower pressures without causing any significant rolling resistance penalty (some would say they are actually faster at slightly lower pressures). If you find that you're getting pinch flats, then you'll need to go to a higher pressure, and at 200 lbs I would guess that might be a concern at 100 psi or so. Most tires will handle 140 psi without any problem. The problems usually come from how the tire fits on the rim, and that seems to vary from tire to tire and rim to rim. It is most definitely possible to roll a foldable clincher off the rim in a criterium so that the tube blows, and it is not a pretty sight.