Hi mlts22,
Most of us do exactly as you suggest. I have a 300 watt MSW that I use for small loads (the laptop and a heating pad for the bed). It is not hard wired. Running it flat out draw about 30 amps, which to some would not be a low load.
Then I have my 3k Magnum hybrid for when I want to use the high draw appliances. It is hard wired. I have a choice of powering the whole RV with it, or just one outlet in the kitchen area. I have seen it draw 276 amps.
Some day, if the MSW 300 watt fails I'll find a 300 watt PSW to replace it.
I do carry a 1000 watt PSW as a back up for the Magnum. So far it has not been used.