I was thinking about this last night and I think you can have what you want... I will not be easy to do you just have to do it right..
1. Make your hot tub a stand alone system complete with its own pump, filter, skimmer, and heater.
2. put your pump and all equipment in a heated shed. (you said you have a whole house auto backup generator)
3. your hot tub will be set up like a big pool, just heated with jets.
4. use an electric heater or 2 to keep the temp up to 104 or whatever temp at all times.
5. bury all pipes 6 inches below the normal frost line
6. use some kind of foam or something else for insulation around the hot tub during install to keep heat in and cold out.
7. get a 6 inch custom cover, beyond nice makes custom covers like this..
Oversized Spa Covers | Large Hot Tub Covers | BeyondNice
8. make the hot tub a rectangle not round to be able to have a cover.
In the winter if anything happens and the temp falls below 50 degrees have a way to winterize the system fast.. The problem people in Texas found is it went bad fast and freezes within hours... The more insulation you can have the less it will cost to keep heated...
I grew up in Oregon and they had giant hot tubs like this, they did not have covers.. It was a great big heated hot tub that they kept at 100 degrees at all times so I know it can be done.. I can only imagine the cost to keep it going but it was a very expensive resort..
You could also have a gas heater connected to it, not sure the most efficient way to do it, gas or electric....