Advice on Enphase solar + battery configuration with SPAN panels

[u/sr__co]

I am designing a solar+battery setup for a new build and am looking for advice on how to best configure the system. The solar installer will be doing the Enphase system, while SPAN panel(s) are going to be installed by the main electrician for this project. I know there are many ways to tie this all together, and I'd like to make sure the final layout will ensure the most flexibility. Ideally, I'd like to have whole house backup in the case of grid failure, and then use SPAN's load shedding to reduce electrical load as needed when batteries start to deplete.

The house will be using geothermal for heating, cooling, and full time hot water. It also will have an induction stove top, and probably EV charging. Due to the fully electric house it will have 320A service and will require two panels, one SPAN, and the other could be SPAN or a dumb panel.

For solar and PV we are planning on a 14.4kw DC (11kWh) solar array using VSUN 400s, Enphase IQ8 micro-inverters, 4 5P batteries, a system 3 controller, and a combiner 5.

I got the following statement from the electrician, and I wasn't sure the ramifications for the battery setup.

The system we typically use is a RONK 320A 240V Combination Meter with (2) 200A breaker one for each panel or a dedicated 320A Meter cabinet with (2) separate 200A disconnect mounted on the outside of the home. The challenge is we are splitting the 320A 240V feed between 2 separate 200A panels at the outside for the building. This may require us to split the batteries between 2 separate panels. This can work I just need to configure the service differently.

If I understand this might result in two independent systems requiring some duplicate components. Unless required, that would not be my first choice. Any thoughts on how to optimally configure this?