Whatever panel holds the main disconnect switch or breaker has to be rated for 200 amps or whatever your service is. They do make "plain" disconnect switch boxes where you can run a conduit to a smaller subpanel with top breaker down below and also run the cable to feed the power to the main house.
In your case, yes, your "main" panel in the house is a subpanel and must have grounds and neutrals separated.
4ought = OOOO
In your case, yes, your "main" panel in the house is a subpanel and must have grounds and neutrals separated.
4ought = OOOO