Inverter: Where to start? Subpanel or No Subpanel?

I did the whole panel because it seemed easier to me than installing a sub-panel (installed it myself). It works fine this way except that you have to remember to switch the fridge to gas manually when you don't have hookups otherwise it will run the fridge from the inverter. It will also try to run the roof A/Cs but that will overload the inverter, which seems to have good overload protection, so you just have to turn off the A/Cs and then reset the inverter.