The customer owned service lateral thing sounds interesting. However, the house is at most 5 years old, so I don’t think it is the case. I’m sure they own it, but don’t think it’s some funky install with the power company like years ago. I’m planning on asking the AHJ since he probably inspected it when built. I’m just looking for some input to narrow down my questions. I really don’t see why I can’t take these feeders and make them true parallel and feed a service rated transfer switch and then feed out with quad tap lugs. Or even feed out with parallel 500 copper or 600 alum back in to the trough and then tap up to each main with 3/0. Or is there something in the code that still mandates the main switch. The T switches also sounds interesting if I’m allowed to keep them split.

Also, still wondering if I need a disconnect switch on the house for the emergency feed. I thought this was a recent code change. Generator will have a disconnect built in, but wasn’t sure if need one on house also.

Thanks again
Micmann