Howdy,
There are just some rules that all need to play by.
We drive on the right side of the road, we stop at stop signs, if we don't KAOS ensures. Sure, you can do a lot of things... you can drive on the left, you can blow by stops sings, run red lights etc.. it does not make it right.
Disconnects = for your safety, your families safety, and your neighbor helping out. Plus for anyone around you. Whether its a mechanical interlock, a lock, a manual transfer switch, or a automatic switch. Some do not need any transfer switch. why? because they only run a cord or 2 inside to power things and do not need access to other things powered.
generator-transfer-switch-choices
The electric companies would permanently disconnect you for your hazards. The Insurance companies would drop you due to liability. Your government (city, town, county whatever) inspectors would notify electric companies, and shut you off and fine you.
Generators = nice to have. Need to use common sense about operating it. Common sense says you should shut the engine off for refueling--- why? because of liability for the gasoline vapors and the hot exhaust.
The subject here is about whole home standby generators. Obviously they will be installed properly, with permits (depends where you live etc..) by someone that knows what there doing. A whole home generator will most likely have a automatic transfer switch. why? because most of the time they are included in the package. The choice of fuel will depend on access. If you have natural gas piped to your door, you are remote and have propane gas (is it large enough to last and if it gets long, can a supply company make it to you. Diesel, can be used in remote locations, you can re-fuel with cans, truck transfer tanks, or fueling service. Longevity of fuel needs to be watched. Diesel does not go bad like gasoline, but it also has its demons (algae, water) Gasoline, really has gotten hard to keep good with the 10% ethanol. Some areas still have access to 100% gasoline. Either way, gasoline has a limited shelf life, even with fuel stabilizers. Can be dangerous due to storage conditions, is volatile. In emergencies, stations can run out.