The first inspectors I came in contact with required seperate panels because of the idiot factor. When I was an electrical knee high, I found out about the wild leg the painful way, but them lights sure was bright for a while...
I have run into several open delta services and the pocos like AEP/SWEPCO and ENTERGY have it available, but so many installations are specing pad mount xfmrs, which, to my knowledge either aren't available or more probable, the pocos dont keep them in stock and should one fail, they could not get your building up without a special order. I like 240 personally, as opposed to 208, but ya get what ya get. The Master who was my first boss must have had leather for skin because he would walk up to a switchboard and touch the bus with his two fingers, rocking them back and fourth, and say, "boys, this'un is 208, not 240..."