I get it for people out in the sticks who may indeed be out for days at a time, but personally, I'd be happy with one of the less expensive 6-10kw standby generators with a partial transfer panel and some load shedding. If I had a propane furnace (so really, the heat pump is optional at that point, hardly necessary anymore) as well as propane hot water (so little to no electricity is needed at all depending on if it's an old style or new high effeciency tank) I'd go that route and buy one of the $2500ish 7500w units from Home Depot that includes the transfer panel, pay someone to install it, and put the other $8-$10K into buying a toy.
Again, this is where installing a whole home wattage meter and observing your actual usage patterns for a month or two before going balls out on a massive generator setup is helpful. I've NEVER met a person who installed one and wasn't surprised at how *low* their actual typical usage was. People think their houses are always using gobs and gobs of amps when in reality most peoples average wattage is a few thousand.
Yeah, if you've got baseboard heaters, an electric dryer, a big hot tub, you need to cook thanksgiving dinner with the oven and all 4 burners of the electric stove on no matter what happens with the electricity grid, and you own an EV that absolutely positively must be charged via generator when the power is out, well, the equations change. But that's not reality for many/most people.