GooseF16 - appreciate the amplifying information. In my neck of the woods, the main meter has the ground and neutral bonded. My first means of disconnect is also bonded. This passed code 2 years ago and has been like that since originally installed prior to my PV system. Since the panels are back to back, perhaps it doesn’t matter, but has caused me a lot of anxiety as it seems to violate NEC, Mike Holt guidance, etc. All my load side panels are not NGB, but ran as 3-wire plus ground that tie back through to the main NGB panel.