Creating Hard Surface Panels

Are there any good methods of creating nice panelling effects in Blender as seen here?

I have tried a few methods such as decal machine but would like to know how it is possible to work this into the topology?

I know this can be done with HardOps but I was wondering the best way to do it with Subsurf? (not the biggest HardOps fan)

There’s load of those one Youtube, I suggest you search for them yourself. On the other hand there are a couple of addons that could greatly help you with this modeling process: link1, link2.