I thought hybrid inverters like the Solark 15k and the EG4 18k would be able to handle the AC coupling.
correct, they can, as well as non DIY solutions Tesla Powerwall 3 (with upcoming? update), and others
The critical loads panel is to ensure the important things get power if there's not enough left in the battery?
no, not exactly
The issue is your peak kW usage (for me, my local power company provides a 1hr peak usage info on monthly bill). ymmv in terms of whether you know your peak whole house load. Your Solar monitoring may have this info? Or Emporia or other monitoring tool?
that peak load drives 2 considerations
1. - required peak and continuous output of grid forming (black start) hybrid inverter
for some people/houses, the peak load makes for an expensive solution, so to save money on inverter and battery, some folks will do some re-wiring for a subset (critical loads) panel (ie, not power whole house in grid-down situation). There are MANY ways (at different price points, reliability, speed of powering certain devices/circuits down, etc)... so ymmv critical loads panel is just one of many ways to manage load during grid outage. My situation is such that a critical loads panel, when peak usage only in 8kw range, and that includes charging PHEV, is unnecessary. but folks I know in TX, with old Air Conditioners and all electric appliances... different situation
2. - battery capacity to support desired run time for either critical loads or whole house
it sounds like you are planning to power entire house (which is what I'd do, with a fraction of the electricity usage you are trying to cover)
So ask yourself, if grid does down, and no one home and AC running full-blast, and other loads (EV charging?), how would you manage electric load at house? A critical loads panel makes it easy, but not 'smart'. There are various automation methods you could use instead, but some of them won't be instantaneous, which could result in an Inverter overload/trip in just the wrong circumstance (maybe, it depends on your specifics).
recommendation - depends on your exactly peak and high-sustained electric load at your house, your main load center specifics, and what level of sophistication/complexity/reliability you want to manage battery during grid-outage
As alluded to above, I'm fan of whole house solution, BUT that is because my scenario is one where all of the solutions I've looked at would cover my peak continuous usage. If your sustained peak continuous load exceeds (or even near limit) of EG4 18k or similar, then a critical loads panel may be appropriate. OR, get a system that supports higher continuous output (and pay accordingly)? depends on your budget and priorities