Hi Cate;
Having a generator backup is cheap insurance in my opinion and I wouldn't be without one.
As an fyi, when I had my recent house hooked up with a generator (about 4 years ago) my electrician simply changed out the entire circuit panel to one that has a built in transfer switch. The cost was no higher than adding a separate "gentran" panel (transfer switch) and allows you to switch on and off any circuit in the house when running on your generator as opposed to being limited to what your gentran has for circuits (usually 6 or 8).
Just last year I had the same thing done to my island camp on Winni. It worked out well as I had to increase my service panel anyway and a generator panel was no more money than a standard service panel.
FWIW;
Dan
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