Pete,
At the risk of

1. Your entire concept is based on simply not wanting to worry about switching the charger or hw heater off before you energize your inverter. See #5, "Operationally" below. Others have mentioned the extra breakers you'd need. Why bother?
2. Installation difficulty should have nothing to do with safety. Why not do it right? And when we say "right" we mean never EVER having the two sources ON at the same time. Maine Sail explained it in Reply #104 quite well.
3. 95% of the time? Really? Remember the thread from cruisersforum where she said she once forgot and blew up her inverter? I think I copied it earlier right here on this thread.
4. Maine Sail is a professional boat electrician and well respected contributor to this and many other boards, as are many other respondents to this thread. If Maine Sail said "I wouldn't wire it this way", I'd take a deep breath and think really hard about it. What you're trying to do is to avoid throwing two simple breakers, the charger and hw heater to off before you engage your inverter, AT THE RISK of frying your inverter, right? But at the same time, your "design" will REQUIRE you to remember to turn the inverter off before you engage shorepower or else you'll fry your brand new inverter, which to me is a crazy risk, and a very expensive one at that for someone who is trying to save some dough. Again, remember that lady's post: she had two inverters!

And because of her wiring, which is kinda similar to yours operationally, she fried her first one. Why, oh why, would you want to do that?
5. While it's been mentioned before, wiring the inverter transfer switch to run the entire panel, operationally, is NO different than your scheme BECAUSE
you still have to remember to turn something off. In this case, your inverter, which could fry. If you wire the transfer switch ahead of the panel (simple DPDT, like the Sterling), all you have to remember to turn off the charger and hw heater. Operationally, I never have the A.C. shorepower, hw heater and/or the charger on unless I am using them, so for starters they are always OFF. I also turn my A.C. main breaker off, it's usually off anyway, 'cuz I rarely leave my boat plugged in when I'm not there.
It sure seems simpler and SAFER to run your boat that way than it would be to risk a fried brand new inverter and potential other issues discussed previously.
Again, good luck and be safe.
Stu
PS - Haven't reviewed your new wiring diagram.