The thing is the military greatly under rates their generators, and most stuff sold to the residential market it greatly over rated, I hate to go right out and say that a military 10KW is equal to a permanently installed residential 15KW, because things are not that simple . In some ways they are a little less than equal, in other ways they greatly exceed them. Let me see if I can explain that a bit better, first off the military units are built to provide their rated output 24x7x the service life of the unit (usually 5,000 hours between rebuilds) in extreme conditions (most models at up to 120 degrees F), plus being conservatively rated at that. By comparison, residential generators are somewhat optimisticly rated, under far less rigorous conditions with a rated output for limited run time not to exceed 500 hours per year at 86 degrees F, with a service derate of usually 1% for every degree F over 86 degrees F. The military units also have an incredible motor starting load capacity in the 300% output range for momentary loads, the civilian units are often closer to 120-150%, this is part of why the military units weigh so much more than their civilan counter parts (a 10KW MEP-003a weighs in around 1,300 pounds).
Now down to that power budget, are they really all things you need to run at once, because when looking at a long power outage it tends to always be about minimizing fuel use, and the bigger the generator you buy the more fuel you will use. With a 12+ KW energy budget that you listed I assume you live in an all electric house and want to run things like electric water heater, and an electric clothes dryer, etc. what else? Could you survive with a little more active load management by doing things like turning off the water heater while running the drier, or other high load (electric stove) items?
For comparison on what is possible with a small generator let me tell you about mine, which is minimalistic in nature, using a 3KW MEP-701a I am able to power all of things in my house that I consider critical loads (I do have natural gas for the stove and central heat, otherwise electric including water heater). With this small generator I can provide power to my refrigerator and chest freezer, as well as run an 8,800 btu window air conditioner and a 14,000 btu portable air conditioner during a summer (hurricane) outage (while these will not keep the house cool, they will keep selective parts liveable, as I unforetuneately learned last summer when the central air was out for 5 days), in addition to these major loads I also can run a number CF lights, the tv, computer, etc. For winter outages substitute the central heat blower for one of the air conditioners, and maybe a cube heater, electric blanket, etc. if needed. This generator does not provide enough power to run the water heater, but I can heat water on the gas stove if necessary, stepping up to a 5KW MEP-002a (I have one of these too, but it is stored at the family farm 20 miles away) would allow much the same life style, but add the ability to use the water heater and do laundry by cycling through running the water heater or clothes dryer while turning off the major loads like the air conditioner while the water is heating for about an hour.
Ike
p.s. when adding up loads, it is important to use the actual figures from your appliacnes, best if measured, numbers from the data plates makes an acceptable fall back, but beware those are generally worst case numbers and your typical draw may be 20-30% less, the charts found online for typical watt draws are useless, it seems the same charts have been republished for many years, and are not reflective of modern appliances, light bulbs, etc. As an example almost all modern flat panel LCD TV's draw under 100 watts, and most of the newest ones draw under 50 watts in the 42-50 inch size range (one random chart I just looked at shows 200 watts for a 32 inch tv). Another chart shows 1,200 watts for basic lighting or 4,000 watts for full lighting, a modern CF bulb draws aroun 13 watts, so that basic lightling 1,200 watts is equal to 92 CF bulbs.
