You will need to utilize 4 conductor URD when sub-feeding that garage. If you want to sub-meter it, that is fine; you can locate that assembly out in the garage.
And, if you can use the 3 wire feeder, you will connect the wires exactly like the main panel that feeds it. Including the ground rod.The 2-2-4 may be OK to use depending a few factors.
The main one being what code cycle is your area under?