jwelectric, you mentioned:
But earlier you pointed out to 110.26(A)(1)(2)&(3) and noted:you could sit the panel on the ground if you so desired. In order to have the required working space the top of the panel must be below the floor joist.
Just to clarify, can the subpanel be mounted 4 feet above the ground? How about the headroom of 6 1/2' you mentioned.and have a head room of at least 6 ½ feet.
It would be mounted on your suggested 3/4" ply board, making in the same high of my I eyes when sitting on the floor.