There is also the problem of backfeeding, but this is more theoretical - even if you know to limit your power use, your neighbors won't and so your generator will trip its own breaker. Linemen are taught to either treat power lines like they are live, or to short them to ground - it can happen they don't do this and you kill a linemen, but still not as big a worry as it is made out.
They make generator "inlets" that sidestep all these problems when used correctly. Most common I've seen is a block so you can't have the inlet and the main breaker both on at once.