Ideally, I'd have a solar/battery setup, but would have generator backup...
relying on the generator solely for power I agree is not cost-effective... but for standby power in the middle of the night...
My other reasoning on a generator is increasing load- if I size my inverter based on load of the house- but not my shop (inverters are expensive)
I fire up the generator when I want to weld, or run a piece of equipment (say a lathe to turn some barrels, or to repair something, or provide a service in exchange for other goods/services).. granted, this is beyond survival mode- and is beyond the needs of the average person