Depends on how you set stuff up also perhaps.
Idle losses would be if they are on but not in use, but there may be a little drain still if turned off but connected to batteries. I was a bit suprised to see that in a manual for one. I think it was just a few Milliamps, probably keeping the caps etc.. charged on the circuit boards.
If your only going to turn it on when in use, idle loads of 20watts or so should not apply except when turned on. So say if the inverter switch is near the basement light switch, turn on the basement inverter when you go down to the shop, run tools ect.. a couple hours, then turn inverter off when returning upstairs I think that might be better than an inverter 3X's the size always on. Also, how much do you need that inverter on? Just 4hours Fri,Sat, night or 12 hours everyday. That would make a differnce perhaps.
If you plan to have them all on all at once all the time, then I would say one large one would be better, or 2 half sized if you want one for backup.
One nice thing I think about having the important always on stuff like frig/freezer on it's own seperate inverter is that if batteries are getting low you can shut off the rest of the house on the other inverter if you want and maximize the run time for the fridge/freezer.
I don't mind roughing it at times myself, so I could live a weekend without power as long as my food don't spoil, personally I'd rather do that than run a feul powered genny unless I had to.
Due to a bad year I have not started building my new house as planned, but I plan 4 inverters. 1 is the absolute loads I never want without power, Fridge/Freezer maybe 1 computer etc... 2 is the 240V deepwell, it will only be ran to fill a large storage tank as needed and mostly durring excess power times. 3 is the rest of the house. 4 is the shop area. How many hours a week do I need a 5k inverter to run a lathe, welder, aircompressor and other high load tools anyway? So 75-90% of the time inverter 2 and 3 will be turned off. For me then I think this is better than getting one large 10K to run everything.
Not everyone wants or needs the same thing, but that's what I want, and all powered by wind.