Operationally backup and timeshifting are the same and both require a means to switch power. If you are trying to avoid a critical loads panel then you would need a hybrid inverter that can handle the rating of your main panel which is presumably 100 Amps. That is 24kW. Have you priced a 24kW hybrid inverter compared to a 6kW hybrid with a 60 Amp critical loads panel? There may be a way to derate your main panel. then you might be able to get by with a hybrid inverter smaller than 24kW. You seem more concerned with finding external CT sensors than understanding how to wire a hybrid inverter to allow it to load shift and operate automatically like you want it to. With a separate loads panel you don't need external CTs. The cost of materials for a separate panel is less than $200. Are you doing this yourself?
Undrrstand everything you have stated but don’t think it is completely correct.
Backup needs switching off of the grid but time-shifting does not.
In general, switches are needed to switch between grid power and off-grid power, but not in the case of these external sensor limited inverters. When consumption is zero (or hopefully also when it is negative as in the case of my AC-coupled PV generation exceeding consumption), battery-powered inverter output is zero, so from the grids point of view, those inverters have been switched off.
When net consumption is positive (such as will be the case when my PV output tapers off in the evening and consumption ramps up with preparation of dinner, the battery-powered inverter senses that consumption and generates an equal and offsetting amount of power. So from the grids point of view, consumpion by my house has changed from decreasingly negative to zero.
Once the battery is drained and the battery-powered inverter(s) shut(s) off, continued home consumption is supplied by the grid and becomes ‘visible’ to the smart meter.
When the sun comes up in the morning, DC-coupled array begjns to charge battery enabling battery-powered inverter to turn on again, but AC-coupled PV array exceeds consumption to battery-powered inverter stays off.
The only issue could be on cloudy days when consumption exceeds generation, battery energy could be consumed off-peak while it would be better to use cheap grid energy and conserve battery energy for peak window in the evening, but that’s easily solved on way of the other by a timer if it becomes frequent enough to be justified.
A backup system has to have sufficient power output to power the entire house, but a time-shift system does not. My fridges consume an average of 0.4kW/h and my peak-window consumption averages 2kW/h with occasional spikes to 2.5kWh/h.
Of all loads I have, the electric oven is the heaviest, consuming as much as 3kW itself.
If I only have 2kW of battery-powered time-shift generation, I will not be offsetting ALL of my peak co sumption, but merely most of it. When I use the oven, they grid may still need to supply ~1kW of the power, for example.
If it can be done, the wiring is much simpler than having to reconfigure panels (not to mention redundancy - an inverter failure just means no time-shift, but the grid is still there...),