It sounds like lots of people will disagree but you are not required by code to have a main breaker. You are allowed 6 switches to disconnect a service to a structure or an outside feeder like you have. The rest of your evaluation of what you should do is correct.
I'll jump back in here -- ducks13, quoted below, is right -- you aren't required to have a main breaker if you have a panel with 6 breakers or fewer.
Work safe,
Mike
I was so required, my county follows whatever NEC they had in 2008, at that time my electrician & my inspector said it was code - have boxes just like that, needed main disconnect in each. Not trying to argue, just how my deal went,
--->Paul