Slowbutsure

Hi
I have moved to the Philippines and there are some inverter features that I do not recognise when I lived in the uk. Any help appreciated.
1.  Limiter & Clamp.  I understand that here (and some other countries) if you send power back to the grid they charge you for it.  So inverters have this Limiter with a clamp that makes sure no power is backed to the grid.  But.. Surely, if all power to the house comes through the inverter, grid and solar, and the inverter is set to not export, then you dont need any limiter clamp set up right?  The inverter would only be taking power from the grid when there is not enough solar to meet the house demand.  Am I wrong?
2.  Smart Loads.  Some inverters (Deye etc) have a smart loads function, where if grid power goes out the battery only supplies loads in the smart load circuit.  This is to protect the battery and make it last longer.  essential loads only.  But it means moving loads from the main circuit breaker box to a new box, assuming you can isolate the required loads.  Seems like a big faff (English for annoying waste of time).  isnt this what system sizing, circuit breakers and battery settings are for?  
Thanks in advance,