Thanks Bob for posting that "Graphic" make things easy to follow, "A picture is worth a 1000 words" I think we verify that??
You are correct one location would be as dangerous as the other if you open the ground or neutral. However I would think that the electrician would be aware of the generator running and would not open this under a load at the genaerator or xfer switch.( "2nd, In my opinion, anybody opening the nuetral has a death wish..." words of wisdom from Ryan_J )
With a 4 pole ats he could upgrade the main service and not be in danger from the leakage current on the ground and neutral ( bonded at generator X0). On the other hand he may not be aware of this danger if a 3p ats is used and is using the main service bond. Many times the customer will not want the generator(s) disable while we are working ( computer rooms, medical refrigeration, food storage ).
Maybe if a 3p ats is used a nice sign at the main service may warn about this danger and protect the installer in a injury lawsuit but I don't know. What do you think??