How many AMPs...
Interestingly enough, you are both right, and I hate to see a skirmish develop over a safety issue.
For years and years, local fire departments usually had some staff who knew how to remove the meter on the outside and 'kill' the power, but this was inherently dangerous for unskilled personnel. To address the danger issue, the practice of putting the breaker outside at the meter was established. Throwing a breaker is much safer than removing a meter from the socket.
So, regardless of how the NEC reads, and notwithstanding the skill level of some fire department personnel, having the main breaker outside, accessible to anyone, is much safer in the long run.
Remember, when it comes to electricity, safety is the name of the game.
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