Although am not an Electrical Engineer by Profession am a Mechanical Engineer who is familiar with panel kit systems. I agree with J. Powell and complaining about such panel kit systems is out of the question – i think your problem is on the correct selection of your required panel kits and perhaps the Schneider blog may help you understand and clear some of your problems-the ebiste of the blog is, http://blog.schneider-electric.com/building-management/2015/02/17/functional-division-lv-installation-systems-architecture-general-principles/.
The existence of blogs really goes a long way in solving some of our technical problems.