As noted I need to audit the full 12mo of smart meter data if moving forward but I can't find any 15min periods over 2kwh yet (which is <40amps unless I am mistaken).If you can prove your load is sufficient for the 150amp main, then a sub panel won’t hurt anything just make sure you label everything very clearly. Move some loads over to the sub panel add a feed.
A critical loads panel is not a bad idea I have done this for people who wanted everything separated for ease of recognition to them as to what can be run on the genset.
I'm not concerned about doing the work. Other than identifying any nuances for compliance the wiring and moving things is no issue. I've rewired all the aluminum home runs on a previous house, etc.
The critical panel is just a convenient overlap of needing more capacity. Also it allows me to only move 120V circuits into it which I can power up with the 120V generator I currently have (again idiot proof for someone not trying to power 240V circuits off a 120V generator). I will need to be strategic about which circuits I place where because only 1 leg will be powered up by that 120V generator but later someone could use a 240V generator no problem, they'd just need to put in a different input plug. Additionally I need to be selective about how I move circuits also because a handful of the original wiring was done with 12-3 NM feeding two different circuits (on different legs) with a shared neutral. I don't like that it was done that way but its not worth messing with, I just need to keep the circuits on different legs still.
Point is I'm aware of what is needed and involved in terms of fundamentals. I just will need to do homework on code compliance items. I also don't know off hand if my AHJ would require changing breakers to AFCI and/or GFCI when doing this or not, the circuits aren't changed and I would be extending the input wiring <6'. In some cases I don't know that I physically need to extend the wiring (it would probably reach into the new panel) but that would mean running NM wires between boxes which I'm not sure is allowed. NM isn't supposed to be outdoors but obviously they allow it coming into the outdoor panel here, not sure how they view it if they wiring could reach the new panel as is or if no matter what I need to splice in UF or THHN wires.