Already clear on the "no neutral to Earth connections downstream of the enclosure" part... I'm just toying with the terminology of "supply side/load side" as it pertains to this rule and the components of a panel.
Because if we consider the neutral bus itself "load side," then we would be in violation of the "no load side neutral to earth connections" rule when we land our GEC to the water main there... which is why I've suggested that the neutral bus in the panel be considered "supply side," but the individual branch circuit neutrals coming to the bus bar be considered "load side."
Perhaps this is how it's already done. I'm just saying this is how I've always thought about it in order to make sense of things.
I'm kind of working backwards logically speaking, but it's the only way to make sense of (1) the standard practice of landing our water main GEC on the neutral bus bar... in conjunction with (2) the restriction against "load side" neutral to Earth connections.