There's not a requirement for an additional disconnecting means at the subpanel.
As long as the main breaker at the meter base is accessible to the occupant per 240.24(B), and 230.72(C) I would just use a main-lug-only subpanel.
If it's one of those places that (in violation) keeps an electrical room locked from the occupants, I'd probably add the main.
[This message has been edited by electure (edited 04-06-2002).]
