I'm wanting to put in a small transfer switch at home for 3 circuits (2 120's, 1 240). Generator may or may not have neutral/ground bond (it has not even be selected yet). I expect to roll the neighbor's generator over before I buy my own.

Not being an electrician myself (but have worked with contractors for past jobs wiring data centers), I contacted two electrical home service businesses to do the work ... but they want to use switches that won't switch the neutral. I immediately see an issue with the unswitched neutral either creating a ground loop (if generators is bonded), or a neutral potential to ground either in the connected generator (that is not bonded), or on the blades of the inlet connection (when generator is not connected).

Are 3 pole switches much more costly than 2 pole switches? I really only need one switch.

The circuits will be on a subpanel with their own 15A breakers per circuit. I'm tempted to just have an inlet feed the subpanel directly, and connect a cord between an outlet from the main to the sub's inlet, and just remove that and plug in the generator to make the switch. That sure would "switch" the neutral.

They are also trying to upsell me on a 10 circuit panel designed just for generators that had a bunch of single pole switches. When I asked them if it switches the neutral, they say it's not needed.

Professional thoughts?

I haven't actually found a transfer switch I'd want. I just want 30A three pole but rated to disconnect neutral last, and connect neutral first (or at least concurrent).