Go Big.
The calculations that have been put forth are a good starting point, but I must disagree with the amount needed to bump the size up for motor starting. The typical motor can draw between 6 and 8 times normal operating current for a brief moment when it starts. Logically you have to assume that all of the motors could start at once and provide for that. I've gone down this road a few different times and am of the opinion that 14kw is the smallest size I would recommend for just about any home with a sump pump and a well pump.
What is often missed is an understanding of what happens to devices that are fed with an AC voltage that has a frequency that is less than the standard 60 Hz. When your sump pump starts and you hear the generator change tone, sound different, you are hearing the governor sense that the speed of the generator has dropped to a point where it has to feed more fuel to the engine and increase the speed back to the target speed. The generator speeds up, assuming you have enough HP to meet the load, then the load drops and the generator is running too fast, fuel is then reduced. This ends looking like a dampened wave over time that shows how frequency reacts to the spike in load.
All of this means that your electronics in your home are being beat up with power at a frequency that is fluctuating well beyond the designed point. The end result is shortened or ended life of some of your electronics.
The bigger the generator, the more horsepower, and therefore the greater the ability to overcome those spikes in load with limited fluctuation in output voltage and frequency.
Sorry for the length, hope this provides some useful input to your decision process.
First, I think I'd stay off the electronics, unless you have a big safe genny. I don't consider most electronics necessary, except heater control.
Second, have enough for everything to start at once?
NIPSCO struggles when a steel mill starts up a single building, much less the enire mill, and surrounding community.
The sub I was stationed on didn't have enough to account for starting current for every load at the same time, and power was more life and death there than I've seen anywhere else, except maybe a hospital.
Yes, bigger is better.
But is it always necessary?