quite true. I usually relate it like this.
Wherever the FIRST main breaker is located, thats the ONLY place that the ground and neutrals can be bonded together. All other panels downline from this HAVE to have their grounds and neutrals separated.
However, there is one caveat. Prior to code changes instituted back in 2005 or 2008 (forget which) we were allowed to run a 3 wire run (2 hots and 1 neutral to any outbuildings and then add the ground rod at that panel. So in OLDER buildings you may find a panel with in-comming hots and neutrals but the ground isnt carried to the panel from another panel, instead its made right at that panel via the ground rods. In this case you should bond the neutral and grounds together, as this used to be considered a separate service. I hope this doesnt get you confused.