Trimmed for brevity....
Sounds good, except if the lights are fed from the subpanel.....
Even with a main lug subpanel w/o the breaker on the incoming feed you can quickly kill all (or some) of the power by hitting the breakers.
I have a 60 amp main lug subpanel with 8 slots, 4 filled. I could kill all the power only marginally faster if I had a main breaker. Regardless of the setup, you have to recognize a problem, realize you need to kill the power, run over to the panel, open the cover and reach up and switch the breaker(s). I also have the option of just switching the circuits feeding the receptacles and leaving the lights up or vice-versa (though I do have a light on a separate circuit run directly from the main panel that I always turn on).
My 2 cents....
Tim