[Help] Topanga, CA Home Reno: Sizing Hybrid System for NEM 3.0 & Fridge Surge Co

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Hey guys,
Long time lurker, first time poster. I'm a homeowner in Topanga (LA County), currently doing a major reno on my place. Given the crazy PGE rates and the constant PSPS (power shutoffs) during fire season, I've decided to finally pull the trigger on a solar + storage setup while the walls are open.
The Situation:
Location: Topanga, CA (lots of shade from oaks, but good south-facing roof space).
Grid: PG&E (stuck with NEM 3.0, so export rates are trash. Goal is high self-consumption).
Main Panel: Upgrading to 200A. Planning to install a critical loads sub-panel for the essentials.
The Load & Concern:
I've got a standard kitchen fridge that I need to keep running during outages. I've been reading threads about compressor startup surges tripping inverters.
Fridge: Running watts are low (~150W), but I'm worried about that 3-5x startup spike.
Other loads: Mini-split AC (12k BTU), well pump (1/2 HP), and basic lights/internet.
My Rough Plan:
Inverter: Looking at a 48V Hybrid setup (maybe EG4 or similar?).
Battery: Thinking 2x 48V 100Ah LiFePO4 to start.
PV: ~6kW array (mix of microinverters or optimizers due to tree shade).
Questions for the group:
Is 200Ah total enough buffer to handle the fridge surge + well pump kicking in simultaneously without browning out?
For the critical loads panel, do you recommend hardwiring the fridge or just using a heavy-duty outlet?
Any specific "gotchas" for Topanga fire code compliance I should know about before I buy gear?
Thanks in advance! Trying not to blow the budget but want it done right.