Generator and Manual transfer switch

Since 240V x 30A = 7200 Watts, I don't think you have two separate circuits. I've never seen a generator (alternator) with separate windings for 120V and 240V. They just provide a 240V winding with a center tap for neutral. This lets you use either half of the winding for 120V and the full winding for 240V.

You may have two breakers but I think they are sharing the same three feeder wires. All three of those feeder wires go to your 240/120V receptacle. different numbers and combinations of those three feeder wires (plus ground) go to other receptacles but all three (plus ground) go to the big receptacle. You get 7500W and that's all the power you get. If you max that big receptacle out, you can't take additional power from the smaller receptacles. You can use all of the receptacles at the same time as long as the total power used is under 7500W. So using 200W from one, 1000W from another, etc. is fine. But , if you're only using that one receptacle, you can pull all 7500W from that one large receptacle.

Can you get a wiring diagram for the generator? (not the engine) That wiring diagram will answer your question.

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Generator and Manual transfer switch