"A switch to disconnect you from the grid is illegal" ... Perhaps in some local jurisdictions, but the national Electric Code permits grid disconnect switches when used in conjunction with a local back-up power source such as a generator.  The switch is called a "Two-Way Bypass".  Lever goes up and connect the incoming commercial power, the lever goes down and the generator is connected.  Lever in the center position electrically separates both sources so that nothing is going in or out.  I have one for my backup natural gas generator which is automatic with a manual override. I have a Generac 15KW system.  Also, my generator has a two-way valve so that a propane tank can be connected should the natural gas supply be interrupted.  And I have guns and lots of ammo, but am far enough away from my neighbors in a rural area anyway unless hordes of niggers make it this far, which is doubtful.