1. If you are planning a
Victron Multiplus 3000VA inverter keep in mind it is 3000VA not 3000W. The max Volt Amps also decreases as temperature goes up. Read the manual for details. Also learn Power Factor (PF) and how it affects AC circuits.
2. Many inverters have two AC outputs. One for strictly inverter loads and another that is simply a pass through when you have shore power/generator.
As far as the Multiplus is concerned it doesn't care if you use one or both outputs.
Most
boats are wired where water heaters and air conditioners only
work when on shore power (or generator) as most don't have a robust enough battery bank to power large loads. This requires a seperate neutral bus.
On our boat we do not split shore or inverter loads but we have a large house bank.
3. As far as AC outputs it doesn't matter how many breaker panels you wire up to the it. There is no functional difference between 10
single breakers, 2 panels of 5 breakersor or 1 panel of 10 breakers. This assumes all the same voltage.