As a commercial electrician in the lower 48,ill say this. There are no load side disconnects on residential single family homes of 200A service or below that I've ever seen. The only service entrance disconnect will be the 200A mains at the breaker panel. If that box is outside (like for duplex or townhomes) then that breaker is accessible, but if the mains is inside, it's not, not without homeowner accessibility. Commercial or industrial will sometimes have outside, load side disconnects as they'll run 400A or larger. It all depends on the power company requirements. But any multi-bank meter base will have a service disconnect ahead of it.
My house happens to have 2 panels, one inside is a 200A mains, the one outside is a 200A main lug, no breaker. Only has 2x 90A breakers for the heat pumps.