Correct.
1) Because some panels sold can be either a sub panel or main panel
2) Panels don't come with everything required (they don't include all breakers for example)
3) Because they can make an extra $6 off you for the separate ground bar!
Side note - the panel I bought to use as my critical loads sub panel was actually intended for a main panel, yet it came with its own separate ground bus bar. I didn't know it would, so I had bought an extra ground bar and now I don't need it. Go figure lol.