Sounds like we may have similar systems. I used a 60A-generator panel that runs as a branch circuit from a 200A-combination service panel. I installed the new service and panels so I had to rewire the branch circuits anyway. The 60A panel was cheaper than a 200A-transfer switch so I just wired most of the existing wiring on the generator panel.

I too distributed circuits that supply motors across the both phases. I put an electric water heater and stove on the generator, but the dryer a few new basement circuits and out buildings are on the main panel. I figured it might be nice to have a hot shower during a long outage but I do have to remember to shut off the water heater as part of switching to generator. My wife wrote herself a 'how to' note.

The generator feed to the panel is about 100' and I used 10-gauge wire rated for 30A. The generator mains are 22.5A so it meets codes for long runs, but barely. It's adequate but larger feed wiring may provide better surge capacity, and that's about the only thing I'd do differently. In my case the generator mains rather than the panel breaker provides protection but I could still ruin the generator by prolonged operation above its continuous power rating. I know when the generator is into its peak range because it surges against its governor.

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