Thanks for the replies and advise. I currently have a stone fireplace with an old Earth Stove insert in the place. It is incredible how much fuel an insert can consume and generate so little heat. So after 25 yrs with no wood stove I went shopping for a new stove. The old one is coming out and the stone fireplace is coming down regardless. The Vermont Castings Encore I want is in the neighborhood of $2,600. The Jotul 400 option is a bit less. Plus new metal chimney, stove pipes, accessories I've got to be approaching $4k. With that kind of money a generator is absolutely the better choice, although I'd like the stove too.
Sizing on my part is way over I'm sure as I just filled in the blanks on Generacs site and my equipment is more efficient than most. I have replaced the central furnace/AC with high efficiency Mini-split heat pumps. As well, I have two Rinnai Energysaver DV gas wall furnaces. They only draw 33-55 watts. A Rinnai tankless at 50W when running. I'm not sure of the well pump sizing but it is a dug well with water about 50-60 down, so no huge draw there. So my first glance sizing will tumble back to probably...10kw?, when I actually do the fine figuring. Maybe less!
Also, being in the gas business I have always maintained that the way to do propane is to buy a 1000 gal tank and bury it. That way you can carry through the mid season demands without having to re-fill, unless you have a big load. I'm working on a new water line, underground power service (trees fall/snow/ice took mine off the side of the house twice last winter) and a new gas tank/line location in the same trench before winter hits. Btw, low temps here in the foothills are about 20f.