You don't need a "dedicated generator". All you need is a transfer switch and a plug. Simple enough..........
Not here.
I do the breaker thing, to. Why? Here if you have it so your generator can power your entire house, then it has to be capable of actually powering the entire house.
The generator can only be hooked up to no more circuits than it can run at once. Dedicated panel, dedicated circuits.
For me, that means spending lots of money on a better generator, or choosing between heat/water/food. F' that.
Kill main, remove from panel, turn generator breaker on. Take a shower? Turn the furnace, fridge and light breakers off, turn well pump on. Done with shower? Turn well pump off, turn furnace, fridge and lights back on. Hungry? turn well pump, fridge, furnace off, turn microwave on.
Yeah, if somebody broke into my house, reinstalled the main breaker, and turned it on, and my generator actually made it half a second powering the block before it blew, it could possibly kill somebody. Get real.
If you want to donate $5-7k to do it how the city wants, let me know. I don't have that money, and if I did, I wouldn't spend it on a once every (so far) 8 year use.
The first (and only) time I did that, it was a 3 week wait for any electrician to show up, and the house was down to 28*, so there wasn't much choice at that point anyway. Still took 8 days to get power.