I have a small house, running off-grid and it always has. I wired my place for both 12 v. and 120 v., so there are two sets of circuits throughout. [I would probably just go all 120 v. now, but back in the early 80s, things were somewhat different and options fewer.] Anyhow, since my lighting, refrigeration, ceiling fans and some other uses are 12 v., my 120 v. is basically computers, TV stuff, occasional drills or kitchen things [mixers, grain grinder, etc., and some radios]. My 120 v. useage is not huge, and I have been able to combine my 120 v. circuits into two bigger circuits, each of which has one standard circuit breaker, the type you buy at Home D. or wherever for $4. I run my inverter out to a small, two slot breaker box with those two breakers, divide the current there, the box was maybe $10 a year ago. The inverter has its own breaker, of course, but this gives me more flexibility if I need to cut off an outlet or wall switch for repair, etc., without shutting off the inverter and the entire house for 120 v.
For grid-tie, and for obvious reasons, you would be scrutinized to the max for anything you'd do, so I agree with avoiding that option. It isn't an option for me as there are no power lines within a mile. But draw up your circuits into a diagram, figure out how much current each needs [maximum], and figure out how many main breakers you'd need. They are very cheap, so a lot of them would be reasonable, too. I just don't have that many circuits or that much 120 v. use to make me want more than my two.
But the main thing is, your inverter will be the source, metaphorically like the service line on a grid home. You can treat that elec. coming from the inverter just like the service line. Just take the lines from the inverter, run them into the breaker box, divde them into however many you need to send one to each breaker, and you are in business. It took me a couple of days to set mine up that way, as I had to go thru all my 120 v. circuits and figure out how to divide them. I chose a time I was home alone and could shut off my inverter and so on.