i dont know how things work in Idaho, but i went through this a while ago here in michigan
i have been told that the transformer boxes on the poles work both ways, they run high current through the lines, send it through the box which steps it down and sends 110 to the house
now, if you hook your generator up to the house, and do it wrong, you can send that 110 up from the house, into the box and send high voltage down the line
i dont need to tell you what that would do to the line man working on it, who expects that wire to be dead
(and i know you know all this, because you mentioned the mechanical lock out)
after i installed my set up (lock out, with a plug in outside of the house, and a double sided extension cord that connects the 220 generator into the house) i had the city electrical inspector come out and sign off on it
now, i KNOW i did it right, and if something where to happen, i am covered (which if course is of a lesser concern then making sure nothing goes wrong in the first place)
i also went through my fusebox and labelled some breakers in green
these are the ones i deemed essential, so if i do need to fire up the generator, i know which breakers i want to keep op (fridge, furnace, certain room, sum pumps...hey, i just remembered, the lift pump to the septic tank is NOT on that list yet, i need to add that breaker)
so, when the power goes out, i plug in the generator, flip the lock out (which disconnects the house from the main grid, protecting the linemen) and then flip all the breakers that arent green, so i dont overdraw the on the generator