your wire is rated to 600V. so the same wire can be used for 120 or 240. It just depends on how it is wired and it is quite easy to change as I explained elsewhere.
I have always heard ground and neutral should be separated in a sub panel and that is how I always do my sub panels. I have also heard you should have a separate ground rod for sub panels but I never did that and I do not think most people actually do that.
Your panel will work with the ground and neutral together, not sure what the risks are.
Pumps and fans dont pull much amperage. 1-2 amps each depending on size
I have always heard ground and neutral should be separated in a sub panel and that is how I always do my sub panels. I have also heard you should have a separate ground rod for sub panels but I never did that and I do not think most people actually do that.
Your panel will work with the ground and neutral together, not sure what the risks are.
Pumps and fans dont pull much amperage. 1-2 amps each depending on size