Your better solution is probably to use a "real" transfer switch on the feeder of a subpanel.
Sorry to jump right into the middle of this ongoing thread, but I would like to discuss this as I am looking at doing the same thing but I am trying to wrap my head around how the neutral will be properly handled.
I have a completely full Square D HOM service panel so I need to add a sub anyway. While I'm doing that, I would also like to provision for a future backup generator so I figured why not just swing the branch circuits I plan to feed from the genny over to the sub and then use a transfer switch to feed it. I'm looking into the sub instead of one of those pre-built transfer panels for 4 reasons:
1) I have a full panel anyway and want to add branch ckts.
2) The house is 2015-built so roughly 75% of the loads (including several I want fed by genset) are on CAFCI branch ckts and regardless of the opinions on the efficacy of AFCI, it is code and I do want to pass inspection.
3) Cost of a 24-space SqD HOM panel is roughly 1/5 of those pre-built transfer panels from Reliance, etc.
4) I'll have parts commonality with my service panel (all my work stuff is QO, all my home stuff is HOM, just worked out that way and I like it)
Here is my question -- the transfer switches I've found appear to just be 2 2-pole breakers with a manual interlock -- they pass the neutral straight through. Wouldn't that be just the same as backfeeding a 2-pole in your panel with an interlock on the main? Is there a residential single-phase transfer switch that interrupts all 3 poles? I would really like to avoid the neutral bus being potentially energized from both sides.
Thanks for any advice -- feel free to tell me to create my own thread if I'm stomping all over this one.