but doubles the standby of the 3kw
From what I've seen from threads on here, standby tends to be 1% on the modern AIO's. I.E. a 3kw is 30w idle, a 6kw is 60w idle, a 12kw is about 120w idle and so on. The real inefficies come in the LF versions where it's about double or triple the standby and only about 90%-ish efficient opposed to the 98%+ on the modern HF flavors.
At that point the question becomes more like "Do I feed 10% of everything for that extra surge a few times a day, or do I just have a larger HF than needed to compensate for the surge?"
Looking at my limitations and needs, the lower standby power really adds up. Even on a heavy day I might run that pump for an hour total all day, at best I'll get 2400w of panels in the deep woods where it might only get an hour or two of sun a day (topography is unforgiving), and having fairly limited space in the pump house, the low budget, etc.
The $1000 for a 6kw split phase inverter, $300ish for a 60a SCC, puts me right in that Luxpower. I'd still have to build a battery and the parts for that.
The cheapest option would be being able to use something like the 4kw WZRLB 24v unit, a couple 60a 24v MPPT's, and take one of the batteries from the cabin. That would put me around $900 or so but not sure about the ability of those smaller split units. I may buy one next summer and do a test run while I'm within the return window if the inverter can't handle the surge.