The bank being short (intentionally or accidentally, among friends or not) due to chip count issues isn't a problem until it is, and then it's a big one not easily (or inexpensively) corrected.... just sayin'. Only a fool doesn't consider game security --- and your game, you, and your players all deserve it. Most will expect it.
Done up front, It's the cheapest way of doing business. Dealing with it after-the-fact is costly, and may even wreck the game.
Long-term, get 800 chips, which should easily cover both of your games and easily fit in a 1000-ct display carrier:
100 x $1
300 x $5
200 x $25
100 x $100
100 x $500
Yup, will top up a rack of $25s. Will evaluate if there's any merit in having more 5$ at the table after a few weeks of using this denomination set-up. Previously my games had always had $10s in them so this will require some testing