1920’s was a building boom in the SF East Bay with tree lined streets, sidewalks and variations on the classic Craftsman Bungalow style.
All these home built with a 30 amp main feeding a 2 fuse sub panel with a 20 amp plug circuit and a 15 amp light circuit.
The mild climate of SF Bay Area requires no A/C and many homes have the optional 20,000 BTU floor furnace.
I own several and never had a single electrical issue because everything producing heat is natural gas.
The 60 amp 240 volt panels didn’t start until the 1946-48 post war boom.
The upscale 2500 square feet homes of the late 1950’s have 125amp 240 panels of the infamous Federal Pacific Brand.
My 2500 square foot home averages 9 kWH use per day all year…
When A/C isn’t typical and natural gas is… the need for large electric service isn’t.
I’ve posted with pictures my Honda EM5000 powering 4 homes… refrigeration/freezers, lights and charging stations during extended PSPS events.
My home in Washington State is all electric and has 400 amp service. Thankfully PSE is a fraction of what PGE charges.
This is why no one answer fits all…
Start by reviewing typical usage over a year or two…
Decide if everything at any and all times must be usable and plan accordingly.
On a side note not far from me lives a retired widow in a nice home… she was very concerned about all the scheduled and unscheduled power outages and paid a lot to have a 25kW natural gas generator installed including enlarging gas service with a bigger gas meter to handle it.
The install works like a charm and does everything promised but she is very unhappy because you can’t throw down dollar bills fast enough to pay for the natural gas consumed…
Just something to think about.