Our main panel has 21 single-pole (120v) circuits and four double-pole (240v) circuits. The transfer panel has a single 240v circuit and eight 120v circuits. So the task today was to (1) identify which critical-use and commonly-used circuits we would power with the generator and (2) balance the loads of those circuits on the transfer panel.
Of course I could use a simple transfer switch on the #4 wire 200-amp service line and power the entire main panel with the generator. The cost is about the same but I decided to roll with the transfer
panel (multiple breaker-protected circuits) for the ability to balance the load on the generator. Additionally, being able to transfer a single circuit at a time to the generator (while leaving the rest connected to the main) is a major plus for me, as is being able to read the wattage on each leg via the panel gauges when the generator is supplying the power.
The map looks good. With the exception of one "luxury" circuit (split-ductless heat pump for A/C), I have all of the critical circuits connected to the transfer panel: well pump, refrigerators, heating system, hot water and critical kitchen circuits). The remaining transfer panel circuit breakers are delegated to other commonly used circuits. There are few gaps in the coverage, but the map worked out better than expected and the load is well within the generator's rated output.
However, the lack of A/C is a not-so-minor problem: my wife is an ice woman. To put this in context, we don't air-condition in the summer - we
refrigerate. There is no way I could
not have A/C available if we were to lose power in the summer (even though a rare occurrence for us). The solution is an additional
single-circuit transfer switch to handle the A/C circuit, taking back-up power from the generator's L14-30R 240v
30-amp receptacle, while using the 14-50R 240v
50-amp receptacle to power the transfer panel. The additional A/C load maxes out the generator, so load management will be more important (the alternator has a main 50-amp breaker).
This generator stuff is fun.