I can get to the pipes in the wall..there's a cut-out for access. It's just pipes though, no shut-off or moving parts in there.

The cut-off between meter and valve is the thing I'm calling the 'main' It's where the waterline comes into the house.

My biggest glitch is just getting that handle off so I can see what's going on in there..I can work around not having an inside shut-off and whatever other mild inconveniences are pestering me.