This makes total sense. The parts diagram for this machine indicates a 480 W "Stator Plate". I've already replaced the halogen headlights with two 20W LED bulbs. I dont have handwarmers, but these will draw 30 W should I install in future. The winch and starter are intermittent sources that draw down the battery as they use much more power than the generator is providing. Any other power uses are fairly minimal (display panel, spark to engine, tail light). Hopefully I am not missing something.
In conclusion, I think the 21 inch, 120 W light bar I am looking at shouldn't be a problem. Does this seem right?
BTW, I plan to tap into the high beam to feed a relay, as you suggested. Do they make a "splitter" of some type for wiring of this size?