Utility has smart meters, and has smart meters for net metering. Difference may just be "calibration", confirming accuracy. Or, the version not for net-metering might charge for power regardless of direction.
Turn off your PV. Note the direction of flow indicated by meter, or that kWh consumed climbs over time.
Turn on PV and turn off all loads. See if meter indicates opposite direction.
Regardless of which, if you set up zero-export which limits PV production when consumption is less, at the main meter it would just register reduced consumption.
Did you say an extra meter you added for PV is your own, nothing to do with the utility?
Yes, that panel says 200A. With a 200A main breaker, that limits circuit to shed to 40A breaker, if backfed.
So either upgrade to a 225A busbar panel, so 70A allowed to shed. Or, add a 200A fused disconnect after meter, and branch to the 200A main and to a 100A fuse or breaker feeding shed (not through main panel.)