I'm also in FL, I can get away with a 10k (but I cheat I have alot of gas appliances). Typically before a generator project you'd do a load study to determine how big you need to go. I have a 15 here mainly because at the time it was cheap and available.
I installed a 30k for a friend and when we tested it, we had both acs cranked, the hot water running oven all 4 stove burners and the 15k load bank in brought over. We had him just around 107% power.
It's just food for thought, I'll help where i can and I know others will here too. But we will probably mock you slightly for the overkill (it's all good natured ribbing really). If I were you I would seriously look through those manuals and find the fuel consumption before you start investing a lot of money into this project
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