Bruce, the panel that I picked has a thick bonding wire stretched across the breaker mounts, and screwed into the bars. I'm assuming that I just have to cut that wire in order to seperate the two.
As soon as I can figure out who has inspection jurisdiction (county or city) and which office to call, I'll be able to get some more concrete info. Until I know if I can mount that panel upside down or if I am really allowed to bring the power in through the bottom, I'm sort of stuck in limbo. Not really a bad thing since I still have boxes of stuff all over the house, waiting patiently (along with my wife) for me to put them away
Thanks everyone!