@h2ofun
do not install two gateways, DO the alternative loads calc and you will be fine. but move the spa, car charger, shop to a non backup panel.
i have three electric heaters/ac (2x 9.75kw, 1x 15kw), resistance hotwater, electric dryer, oven, 10kw induction stove top, 3hp well and am putting both my 200 amp panels on a single gateway with 8 powerwalls and 16kw solar (400amp generation panel) all on a gutter with bus bars.
my utility is still freaking out that i'm over 200 amps of generation, they are counting the powerwalls and solar! they say transformer can only handle 200 amps of generation, i say i'm protected by software and 200 amp breaker.