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Not true. Separate neutral and ground (grounded and equipment grounding conductor) are required at any point downstream of the service disconnecting means. If you bond the neutral in the meter pan, you don't have to run a separate ground to the service disconnect.
Also, the "exception" for ranges, dryers, etc is for existing installations. Anything installed new needs to be a 4-wire circuit with a separate equipment grounding conductor. It's safer, and is not really much of an additional expenses.
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AS soon as you put a disconnect or over-current into the service THAT box
becomes a main, and every other box requires 4-wire connections to the main.
"If you bond the neutral in the meter pan, you don't have to run a separate ground to the service disconnect."
Depends on how close the meter pan is to the service disconnect.
"Adjacent" is the operative word.
The other side of a wall is NOT considered adjacent.
If the meter pan and service disconnect are both on the exterior you get some relief.
Depending on distance you can save a decent amount by not having to run a 4-wire service.
25%.