Insane utility disconnect requirements for battery backed installs

Nice drawing I like it!!!
I'm a retired master electrician and I see no unnecessary disconnects with today's concerns about lockout tagout requirements.

The breaker between the entrance panel and optional bypass switch may be redundant depending on the distance between the two but the 3 meters make sense to me.

Again as Mike 134 states it all comes down to safety and LOTO (lock out tag out) rules.

Usually the whole thing is built inside the hybrid inverter.

The hybrid inverter has one connection to the grid in your home panel.
The hybrid inverter also has a connection to a separate Critical load panel (separate from your main panel) where the critical loads have been moved.
The hybrid inverter has the possibility to "pass through" the grid to the critical load panel when the grid is up.
The hybrid inverter disconnects itself and the critical load panel from the grid during an outage, and become the sole power provider to the critical loads panel, using power from the solar panels and the battery.