Maybe I'm putting too much value on the simplicity (design-wise) of a whole-home backup. Maybe it's easier than I imagine to convert my existing main panel (brand new) to a main panel + essential loads panel. Will a lot of electrical work be 'undone' from my existing main panel if I end up just installing a single PowerWall and need to add an essential loads panel to limit backup to lights and outlets? How hard is the wiring for a partial home backup vs a whole home backup?
My utility also pays 1:1 for supplying the grid so I don't need the battery to time-shift my solar usage....
Our solar + PW was installed after the home was finished and we simply converted the existing panel in the garage to be the critical loads panel. As part of the solar + PW install the electrician installed two new panels, a generation panel and a non-critical loads panel, then moved the high wattage circuits to the non-critical loads panel. All told it's a few hours of labor and a new breaker panel (the generation panel may or may not be required for your solar). Unless you have some super fancy panel you have to designate the entire panel to be backed up or not - no splitting as far as I'm aware.
I have 2 powerwalls and backed up everything but my tesla wall connector... so I have an "essential loads" panel with every load for my home except for the tesla wall connector in it. I guess it depends on how complex your specific setup is. The essential loads panel goes close to the main panel (in my case, its on the interior of my garage, on the same wall as my main panel, which is on the outside of my garage on the same wall).
These are construction projects, so you need to look at your individual circumstances... but with that being said, when I got my 3 quotes, all three basically planned on setting up an essential loads panel, even though my stated goal was "whole home backup". They just all suggested I leave the tesla wall connector separate (in main panel) and move everything to the backup loads panel.
This boils down to personal preference and how protected from power outages you want to be, and how much you want to "live like normal" vs "go into camping mode".
I wanted the ability to live like normal, even though I would probably curtail usage of some stuff. My wall oven (40amp circuit) is backed up (for example) but in a real outage situation, I would just bake with one of my BBQ grills (I have different types of BBQ grills, natural gas hooked up to the home, komodo style, and pellet style). I wanted to be able to run my AC "a bit" if in an outage situation, but wouldnt run it much.
Basically, experience has taught me, especially with technology based things, one usually doesnt regret buying the higher end / better thing... they regret not spending the money up front because some feature or other is missing.
People usually dont say "wow my TV is too large! I wish I got the smaller one!". If you get two powerwalls, and backup almost everything, nothing says you HAVE to run everything. the difference is your choice, vs one forced on you by grid being down. That is, of course if one is just making a decision based on "how much do I want / need this" and not "this is cost prohibitive, I cant do it".
This is a really good take, though l'm on the camping side. For us I don't regret only getting one Powerwall at all even though some of the niceties are not backed up. Having lights, fridge/freezer, entertainment, and peace of mind was well worth it and I couldn't justify the expense of a 2nd Powerwall that would sit 99.9% of the year unused in backup only mode. Of course if we had ToU pricing or frequent outages that would absolutely change the math.