Sounds like you have pretty much the same setup as I do. That being, a 7200W, 10-circuit generator panel with 1-DP handle tie for the 240V well jet pump. I also tied in the microwave, oil burner, refrigerator, some kitchen counter receptacles, two bedrooms, bath lights, office and basement lights. No electric range though, but the Weber gas grill is always on the back deck. Of course, I can’t run everything at once, but this seems adequate for emergency use. I think I’ve only really needed it once in the 5-years since I put it in, but it’s a good feeling knowing that it there.
Right now I only have a 3700W Coleman with a little Suzuki engine. It sips gas and is pretty quite, but I was actually was thinking of going up to 4400W or so.
With most portable generators, I don’t know if you ever really get away from that initial brownout, voltage sag when the water pump or other motor load starts, like the refrigerator compressor.