I've always specified and used Square D products. They are amongst a few that are still using copper buss bars, and are of reasonably high quality. Well respected in the industry, although not cheap. What I'll describe is proper for Square D. I have no experience with other panels.
As you allude, the panel accommodates a breaker with three poles. There are three buss bars that run vertically in the panel, with the center bar the high leg when wired delta. That is the second position on the breaker panel, so if you use the three phase panel for single phase, that position may not get used. For sure it won't for 120 volt service, but there's nothing preventing you from using it for 240 volt single phase service.
The panel is wired with the three phases, a neutral, and a ground. Five wires total. Not all three phase service has the neutral. If there are no
120 volt loads, it's possible that a panel wouldn't be able to provide such service considering it's no longer legal to use the ground as a conductor, although it would work fine.Correct
Correct.
Or do you just always use A-C phase pairs for
You need not use them in pairs. Each slot has its own breaker, single pole. You'd have a blank space in the panel where the high leg would be if it wasn't used for either 240 volts or three phase service.
All depends on the load needs and panel size. Because 1/3 of a three phase delta panel is wasted when the panel is used for 120 V service, you may find that a second panel, strictly single phase, is needed. That's what I've done with my shop. Everything is fed from the same transformer source, but it separates at the pole and goes through two different meters. That, in my case, was a good thing, because I'm on a demand meter that changes the price of power when I exceed 50 kw demand. 50 kw is the size of my induction furnace, so I'm damned glad to not have everything running through the demand meter.
Indeed, and is far more common than delta. There are some issues with delta that present a fire hazard, according to PUD (our provider). They really push the star (wye) service, which is 208 volts, but that's not in the best interest of almost anyone that runs motors. While they'll usually run on 208, they draw more amperage and run somewhat hotter. In some instances, devices don't perform as intended when they're designed around
240 volts. A friend had this problem when he moved his saw sharpening service from a delta wired shop to a wye wired shop.Harold