I have questions about installing a Gen-Tran, 30 amp, non-automatic transfer switch, #301660, just to the right of two, C-H 200 amp service panels(400 amp service) on my basement concrete wall. My 60 amp feeder breaker goes in the right service panel. I want to provide emergency service to my 240V, 20 amp well pump and 120V, 20 amp furnace circuits, currently wired to the right panel, and to my 20 amp small appliance/refrigerator circuit and 15 amp bathroom lighting/ventilation circuit, currently wired to the left. My questions are:
1. Should I splice the neutrals of the circuits in the left panel to the neutral/ground bar in the right panel which contains the feeder breaker?
2. Can I leave disconnected circuit breakers in the service panels in place?
3. Must the spliced conductors from the service panels to the transfer switch be marked?
4. Do the four emergency circuits overload my 30 amp transfer switch by code? How do I calculate the load for eating area small appliances in the small appliance circuit below?
Well pump full-load current = 6.9 amp(Table 430.248).
Furnace full-load current = 13.8 amp(Table 430.248); EIM(controller) = 0.2-1.0 running
amps specified in installation manual.
Small appliance circuit: refrigerator label load current = 7.2 amp[440.6(A)]; 13 – 115V
duplex receptacle outlets for eating area small appliances = ? amps by code.
Bathroom lighting/ventilation circuit: 7 fixtures with fluorescent bulbs = 1.2 amp; 2
ventilation fans = 1.8 amp; 3 – 115V duplex, general use receptacle outlets = 0
5. For the branch circuits, does code require calculation of allowable ampacity of the spliced conductors from the service panels to the transfer switch, or can I use the 90°(THHN) #12 AWG provided by Gen-Tran? Existing wiring is NM-B, 12-2G for the 20 amp circuits and 14-2 for the bathroom circuit.
6. For calculating allowable ampacity of the 90°(THHN) #6 AWG conductors provided by Gen-Tran for the 60 amp feeder service from the right service panel, what ambient temperature correction factor should I apply to the allowable ampacity in Table 310.15(B)(16)?
7. Must I connect my portable generator's ground lug to an earth ground? If so, what is the best way? I have outdoor access to my home's ground electrode and steel wellhead.
8. Is flush-mounting a Reliance power inlet box to the sheetrock interior wall of my garage about 12” above the slab okay? Only the cap will protrude about 1” from the wall.
9. What areas of the NEC will the test allowing homeowner installation likely cover?

Thanks for whatever help you can provide.