Re: subpanel seperation
The bonding the of the neutral conductor and the equipment grounding conductor is prohibited on load side of the of the service in Section 240.24 and only permitted in Section 250.32(D). By bonding the equipment grounding conductor to the neutral coductor as you asked would violate Section 250.6, 250.142, 300.3 and 310.4.
Some panelboards incorporate neutrals factory bonded to the frame or enclosure and are list and labeled ?Suitable Only For Use As Service Equipment, this permits the equipment grounding conductor to be terminated to the neutral buss per Section 250.142.
Other panelboard with the neutral buss isolated from the frame or enclosure will be list and labeled as Suitable For Use As Service Equipment, this type of panelboards will come with a bonding screw or strap which is supplied by the manufacture. This type of panel can be used as subpanels when feed from the service panel, without the use of the bonding jumper as required per Section 250.24(A)(5).