I did a kitchen reno a couple years back, and had the same ease of access to the panel, as it was right below the kitchen.
1. Take out the drywall from above counter plugs down.
2. Wire to your content, adding in more circuits/plugs than you think you'll need.
3. Drywall back up and tape/mud.
4. Put your cabinets in.
I tried to figure out how I could cut corners here and make things work there, but in the end going the route I did was the best choice and was not that bad, work wise. Being that the drywall is behind cabinets/backsplash, there wasn't a lot of sanding required (unless you're an awful mudder).
End result is I had enough 20amp circuits, had ample plugs, and I passed inspection first time.
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