Thanks for all the advice/comments thus far!
I did a little math this morning and found that around 5kw-run (a bit less actually), and 6kw to 6.5kw-surge will work for my "whole house" application. That figure includes roughly 90% of the essential home systems and a couple smaller non-essentials as well. The large shop tools have been excluded but are "do-able" IF I ran the JUST the shop and nothing else. If I need them, and this seems like a long shot, I'll just remove the house from "my grid" for the short time I'd be using the bigger power hogs. Then just go though all the "start up" procedures for the house a second time. Again... "do-able" , but that feels like it would be more hassle than it would be worth. Depending on the project, I suppose.
I talked to a buddy of mine and he has a different (larger) Generac unit that he absolutely swears by. It's has a 5500w (run) with a 6875w (surge). Not "whisper" quiet but he does use it to power his big fish house in the winter with no ill effects. He brings home fish so it can't be THAT loud.
I'll be able to hear it first hand this week.
He has his set up like I'd like mine. One switch to eliminate the regular service, fire up the generator and go... He runs his whole house on this and has never had a problem with not having enough juice. Except for the shop and and my extra freezer, his house and mine are almost identical in power needs. I'll just have to fire up freezer #2 after all other high draw systems are running.
This model (or these specs) seems like a good fit to me!! It's already rated for a bit more than I really need. A little cushion is good I figure... AND... he can "hook me up" through his company's supplier!! He got his for around $500 this last spring WITH a 20' cable included!. We'll see just how good of a deal I can get, or if my buddy is blowin' smoke, later this week.
As for the smaller unit mentioned in the OP... I'm going to offer them $200 tomorrow and see what happens. If they take it... GREAT!!! If not... No big loss.
And the saga continues...