Not necessarily.
NEC 2020 imposes a requirement for outside disconnects for fireman's use (since pulling a meter off a live building is fraught with arc flash risk). This is in 230.70. Almost always, that disconnect is implemented as a "main breaker" because economies of scale make 200A breakers cheaper than a gnarly Frankenstein tier 200A knife switch.
Obviously by your apprentice electrician's understanding of the code, that first disconnect would become the main breaker and therefore it becomes the service disconnect and thus service equipment: the place where the neutral-ground bond must be, with 4-wire beyond that... right? RIGHT????
Wrong. NEC allowed for that possibility in 230.85. They say basically that if it's there to be an emergency disconnect to satisfy the fireman's rule, it does not need to be the service disconnect for ground establishment purposes. And you can declare it an "EMERGENCY DISCONNECT, NOT SERVICE EQUIPMENT" by labeling it exactly that.
But wait... what if there are breakers there going to other things? Doesn't that make it a regular panel and thus the service equipment? Not necessarily. NEC 230.82 swoops to the rescue, allowing a long list of things to be attached to the supply side (before) the service disconnect. And you betcha, solar is one of them.
So... just like the black tape on a switch loop or the "GFCI Protected" sticker on that kitchen receptacle... there's a fair chance you're only a label short of code compliant.