John,
It would seem to me, if somehow, these semi- qualified individuals were to somehow add a second panel. Either add double lugs at the transformer or a feed through from your setup, they would be relying completely on that bond in the original panel to create the neutral. It is in my opinion the most practical, and safest method to bond your XO at the transformer. Suppose you do you bond at the first panel, and one of these qualified people remove the bonding jumper, because it should be bonded at the transformer. you may be opening up a can of worms.
