Hello Solar experts!

I've got 320A service to my house, with 2 200A electrical panels. I intend to install a relatively large residential installation (~20-~25kW) and I'm struggling to figure out the right way of setting up the "brains" of system. If it helps, you can logically think of one panel as having stuff I would specifically like running during a blackout and the other having stuff (typically particularly power hungry like heat pumps) I wouldn't mind dropping when grid drops.

My goals are to handle not infrequent blackouts via battery backup AND offset large consumption costs via Solar Battery, especially during "peak" time-of-use hours. However, I would specifically like to be able to utilize the batteries to offset peak grid costs for the "hungrier" panel during normal situations.

I've attempted to think through three types of systems:

1. micro-inverter (likely enphase)
2. Sol-ark 15K with ~19.2kW of panels, optimizers where relevant, and your favorite LFP battery
3. 2 Parallel smaller hybrid string inverters (SMA SBSE or similar) with associated power hub, closer to 25kW of panels, optimizers where relevant, and still your favorite LFP battery

My understanding is that both the enphase and the sol-ark 15K solution allow for 200A passthrough, meaning that with a single one of either (combined in the case of the enphase), it couldn't sit between the grid and the panels. In addition, I don't think the enphase would be happy sitting in front of a full 200A panel, but i'm not sure. In the third 2-parallel situation, I might be able to make it work, but I'd still need 2 hubs and, I believe, 2 separate battery banks .

Looking for advice.

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Thanks!