n the garage serves every circuit in the house. Wouldn't it be unusual for there not to be a main breaker there?
an outside fused main disconnect or main breaker is a relatively new code requirement.
Then please provide us with a cite for that "new code requirement". You're really wandering badly in the wilderness here. AFAIK, there is no such requirement in NEC. Typically service runs straight from meter, to a main panel that is located close to where the service enters the building . That is where the main and only disconnect breaker for the service is located. That's why all those panels you talk about below have a main breaker in them.
Most older houses will have been built without them and would have been re quired to have a main breaker in the panel. I stopped at Lowes and looked, the panels for sale all have main breakers in them. I also looked at work in a couple of electrical rooms, exactly half the distribution panels had a main breaker. These were clearly distribution panels downstream of the s witchgear but still had main breakers. So yes distribution panels can have a main breaker.
does not have a main breaker. OP?
Whether it does or not doesn't change the fact that the pool panel is located outside, right next to the disconnect/breaker out there. It's wire d in direct to the meter, before that disconnect and not connected to the house panel that's located in the garage.