(Very quiet forum section, few responders? Oh well, I will just talk to myself and think out loud.)
It looks like merging multiple router functions into a single box should be theoretically possible, though it is unclear if a pfSense virtual VLAN can send out data and have it picked up by another pfSense virtual VLAN.
For the two PPPoE child routers:
Don't need DHCP, since the parent router will be the only receiver
Don't need NAT, since the parent router will be the only receiver
Firewall rules must be explicitly defined rather than using "any"
LAN side is a VLAN circuit only, no gateway groups defined here
The parent router acts normal like a default configured pfSense, and uses DHCP and NAT.
Default-config WAN is not used, replaced by load balanced group
Don't firewall block data thru 192.168.x.x since that is required
Firewall rules must be explicitly defined rather than using "any"
So the order of construction appears to be:
1. Default install of pfSense creates the parent router
Set initial WAN to unused temporary VLAN X
2. Create first child router and rules, using unwired VLAN A
3. Chreate second child router and rules, using unwired VLAN B
4. Build the gateway group with unwired VLAN A and VLAN B as members
5. Disable the default WAN interface, change rules to point to gateway group