Ah ha, I wasn't connecting the dots that it was the same single piece of internal hardware, not an inverter and a separate charger under the hood. So with a 50amp grid input, it can use up to 25 amps of that for charging, leaving a minimum of 25 amps to load. Which matches the 25 amp inverter to load output. It's starting to make sense now.
Lets say a portable generator is hooked up to the gen input, so not using the gen start/stop functions. Will the generator AC be ignored if the battery is not below the "Generator Charge Start Battery Volt/SOC” setting? Or will it see any available AC on gen and utilize it? Will it automatically switch from gen to grid when grid power is restored?
In short, planning to use this as a UPS on a critical load subpanel. Trying to wrap my head around what the manual does not make clear.