Tank room electrical DIY: subpanel or no subpanel?

[Gizmo]

Subpanels are great for localized access. If you have a change to run say a pump on 220v, you would normally tie it right into the breaker. So you would want to be able to switch it off for maintenance w/o going to the main house panel. In my case, it also allows for easy expansion if you need another cct, when your basement is finished and you can't run any more wires.