We had ours installed about 10 years after we moved in, then it replaced about 10 years after that when the engine started using a bit of oil.
I think it is really going to depend on just where you main panel is. If it is on an outer wall that is at ground level I highly doubt it will be much of an issue, ours was not.
The rest of it I don't think you could do now. Like
@wyliesdiesels said they are not all the same, and depending on how long it is before you have it installed what you put in now could be money wasted. I know our old transfer switch had to be replaced with the new gen and it was the same company.
As to the what it will run, some of it is a no brainer, freezers, fridge, if you have gas heat, the furnace and blower motor. If you are all electric get ready to spend quite a bit more for that, as well as with the larger gen you are going to use more fuel, more kw the bigger everything is. And this might change as you get into the house. We had the freezers in the basement and moved them to the garage, different circuit now.
My suggestion is have penetration from where you plan to put the gen and a way to get to the panel, usually they put their "sub panel" right there with the other one, just makes hooking everything up more easy.
There is also a manual transfer panel. I just did this in my shop as part of the solar setup. Fairly easy and I bet if you can do a three way switch you can handle this. You manually switch between the "main" and "gen" power, and what you want on what. I really like this feature. The one I bought has a crude little meter saying what is going where. I have another more accurate digital meter that is what I look at.
