I faced a very similar dilemmas when I was planning my backup.
What I wanted:
1) A system that was not 'weird' in a way that would need to be torn out when I sold the house, or I would need to explain if I had a tech come and do work on it.
2) The ability to run selected or ALL 120V loads in my house from a standalone 120V source (an EV with an 2 kW inverter in my case).
3) The ability to run a second high power EVSE if/when I needed one.
My 'elegant' solution was just to install a 14-50 Receptacle next to my breaker box, with suitable wiring (6AWG) to a 50A breaker. This is a 4-prong plug that contains BOTH hot legs, a Neutral and Ground.
No interlocks, no switches. Just a code NEMA 14-50 receptacle.
THEN, I made up two NEMA 14-50 plugs (wiring the back of the plug).
Plug ONE adapted the 240V input to the plug needed for a 240V portable EVSE. I could have gotten a 240V EVSE that went into the 14-50 directly, but I already had a 3kW 240V one that had a different plug.
Plug TWO is interesting. Technically it is a 'suicide cord' since it has two males. The 14-50 male, and a normal 120V plug male (with ground). Inside the plug the neutral is tied to the neutral. The ground is tied to the ground. And the 120V hot is tied to BOTH Hots in the 14-50 plug. I keep this plug with the inverter.
Normal operation, I can use Plug ONE to power an EVSE, and charge our second EV. Or any other load I need a lot of juice for, given that 14-50 is becoming the new standard for that.
Backup operation. I pull that regular EVSE plug out. I switch the main breaker to OFF. I padlock the main breaker in the OFF position (I bought a bracket attachment for this), and put the key in my pocket. I switch all the 240V breakers and a couple heavy 120V circuits to OFF. I then plug the suicide plug TWO into the 14-50. I start up my EV, hook up the 120V sine wave inverter, and run a heavy duty 12G 120V extension cord from the inverter to the suicide plug.
This way the inverter drives BOTH 120v legs, in phase. Sweet. If I 'forget' and leave a 240V load energized, it does not run... because it sees 0 volts across the two hots. In phase.
This setup is technically illegal, because I am supposed to have an interlock or interlock panel. My nod to this is padlocking the main OFF. This prevents another person from switching it to ON and energizing the grid (like a sleepy spouse, a curious neighbor or a first responder). I am also convinced that if I did try to energize the grid (if I still had a grid connection to the transformer) I would just pop the breaker on my inverter from overload.
There is one other factor. The normal problem with suicide cords is the hot prongs. That can't happen in my setup. If I plug in plug TWO while the grid power is on, I am connecting a 12G wire across the 240 V hots (!!). Needless to say... the 50A breaker would pop. So I don't do that.
Overall, I have used this system for close to a decade now, and its been perfect. All my 120V circuits run, and I go through the house and do things like unplug the microwave and a couple other loads. Takes me 10 minutes to set up or break down.
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For your situation: If you have a 240V genny, or expect to get a 240V rig in the future, put in the interlock box and wire in a 4 prong generator receptacle (actually a twist male plug in a socket) not a bogus 120V RV plug. Get an extension cord for your genny. I would not 'subpanel' and just make it able to run the whole thing, and load manage by switching breakers. Write out a list of which breaker to switch off when its NOT an emergency in the middle of the night, or if a spouse has to do it. This is conventional, safe, legal and future proof.
IF you want to run your house loads with a 120V source, consider making up an adapter to power the genny receptacle with both 120V hots in phase. This would then be like my system, but with a proper safety interlock.