Aren't these Service Conductors? If so, those have a typical voltage drop too, and the NEC doesn't mention that. It is usually the power company that determines what is acceptable. If you see the teeny wires the power company usually installs, you can have a significant voltage drop if you are using all of your service. My power company gave me 1/0 aluminum for a 110 foot service drop with a calculated service of 325 amps (would give about 12V drop if I ever hit 325 amps).
So this 97A calculated value is what -- your service calculation? If so, what is the calculated service neutral load? That is the value I'd look at for 120V voltage drop but also realize that you can only tolerate half the voltage drop for the 120V circuits as you can for the 240V circuits (and maintain the same % drop). If you have a few 240V only loads on your service, I'd go with the triplex. Even if not, odds are good that you wil have some balance on that neutral wire reducing its amp load.
Finally, a service calculation amp value will rarely ever be seen on the service conductors. That is why the power company uses such small conductors. So I would take that into consideration, and also take into consideration are there any feeders on this install or is it just a main and branch circuits? If no feeders, then I would perhaps allow myself more voltage drop on the service conductors knowing that feeder drops are 0.