BTW this choice makes electrical inspectors look stupid. For years you could install a sub panel 1 ft away from your service panel you go there and the neutral in the secondary panel is bonded and a 3 wire feed from the service to the second panel.
No you can't do that, you have to float your neutral separate your grounds onto a grounding bussbar and change your supply to four wire.
The electrician ask why, we'll the nec says it has to be that way, you might have even said the nec says it's not safe.
Now we have to back track everything we ever said and the electrician looks at you and says really!