Re: divorced neutral bar ?
I've re-read this question several times. Is the question solely about the Main panel, or is it also about remote Distribution panels ("subpanels")?
In the Main panel there should only be one type of bar (buss) for the grounded-conductors ("neutrals") and the grounds to land on. This bar is bonded to the pan of the Main panel. This bar bonds the neutrals, grounds, and pan. There can be more than one physical bar, but they will be identical in function and bonded to each other and to the pan.
In the Main panel a "ground" wire is also run from this bar to earth. There are many options for earthing: ground rods; ground plates; ground rings; Ufer's (capitalized in honor of Mr. Ufer); etc.
Now in remote distribution panels (commonly called subpanels) the NEC requires that the branch circuit grounds land on a grounding bar, while the grounded conductors (neutrals) land on a neutral bar. The ground bar is bonded to the subpanel pan, while the neutral bar must be isolated from the subpanel pan. [Note: There are exceptions where certain circuits like Isolated Ground are allowed to have their ground wire pass through the subpanel and not land until they hit the Main panel. But, that's another topic].
The grounding system would be more accurately called a bonding system because as you point out in the end they're both (ground and neutral) earthed at the Main panel.
The neutral is a grounded conductor. It is intended that this conductor will carry current.
The ground is a bond and per the NEC it is eventually earthed. The bonding and earthing provide different (almost mutually exclusive) functions.
The previous two posts cover the details.