Another way to approach this is to have the generator hook up ready to go. If you encounter a prolonged powere outage you can then buy a generator (assuming there still available at that time). The cable is about $75 for a 20-25 ft long cord that's good for 30A. An electrician should charge maybe $150 to install the cord into the panel. You then get to use the existing breakers in your panel as to what you want to power up. It's also a selling feature if you ever decide to sell the house. I'll take a picture of mine and post how it's set up.
Cheap insurance IMO.
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