You didn't mention the age of the house and if the original plans or drawings are available, this alone can help you determine if and when the price determines load shedding consideration and will aid you in determining what's not required. Of course
this will with existing plans also help you quicker than re-documenting the whole house. If you went over in the evening and just walked around the house and noted whats plugged in where, and what lights are used this alone will help the owner understand that in fact they don't need every receptacle circuit.
You also didn't mention if it's going to be Public Gas supply or Diesel or Gas.
It would be costly to sink a tank for the last two.
You also didn't mention any past records of what the owner is using monthly power wise, and that they can supply or that you can retrieve from Dominion Power.
IMO you'll need to supply power for all lights, all kitchen, H2O heater, All HVAC (I'll assume multiply split systems) and a few receptacle circuits sprinkled around the house; Master bed room, Bath(s), Living Room(All-because of Wi-Fi and Cable), other bed rooms(because they might share a circuit). And where ever their Phone Docking is
done. A outdoor receptacle, and or outside lighting.
People don't understand this cost difference and are so Americanize, as to "I got have it all" mentality.
If in fact they don't want any hands on (Auto transfers switch), cost is not a problem, and no load shedding is not desired, sell them the primo package.
Just remind them that the Auto Transfer will take off when their on vacation, or on the other side of town. That now in fact they might need to put Mini UPS to support
24 hour CPU's, or again Cable Power or Wi-Fi to keep things running, and remind them this is because it is not in fact instant power but instant start.
This is a serious handing holding type deal and sale, you need all the numbers to qualify anything your going to present! You could with the numbers proof to them the cost of whole house verses load shedding, and present a one week cost of both.
Good luck with the sales pitch.