It is mostly cost, especially cost to be as reliable as the power company, even in a rural area full of trees.
But I recognize when I reach retirement, I'm not likely to want to be doing generator maintenance to maintain a system sized for peak summer but running 24/7 at a fraction of that year round.
Even if we get a gas well, I have my doubts.
The generator plan is something I would avoid if at all possible. Nice to have in an emergency, but day to day on a regular basis, I couldn’t see that as being the way to go.