Stew
I agree with your thinking, but, as PeeWee says everyone has a BIG BUT and this one is not in agreement with article 230.82 it?s been mention before that if you put a transfer switch on the load side of the meter base the transfer switch must be service rated because the transfer switch thus becomes the service switch. The reason, reading 230.82 a transfer switch is not allow to be placed ahead of the service switch. There are eight subsections in 230.82 and none of which refer to transfer switches. The next problem crops up in 230.91 that state the service overcurrent device shall be an integral part of the service disconnecting means or shall be located immediately adjacent thereto. Having the disconnect outside and the overcurrent device inside is not immediately adjacent thereto.
If you look at the ROP, 2008 section 230.82, a proposal was introduced to allow a transfer switch ahead of the service disconnect BUT this proposal was rejected. It was also stated in the panel?s response that this were allowed it could be done without compromising safety. This proposal was in reference to the meter insert type transfer switches (Generac) that are UL listed only to be under the control of the serving utility thus exempt from the NEC.