I ran off grid from 2017 through 2020. During the first winter months I had to run the generator for a hour most evenings that the day was less than ideal. Mostly because of electric water heater. I would recharge batteries while heating water. On ideal days the solar hydronic would be adequate for our hot water needs.
After crunching the numbers I installed a LP on demand water heater and disconnected the power from the tank heater. Now it’s just a solar hydronic storage tank.
Generator use went to more than one day of no sun ?.
My personal thoughts are, if you never need a generator total off grid then you over built. Nothing wrong with that, just spent more than necessary unless you didn’t spend money on a generator.
Currently I am on a 1 to 1 grid sell contract. I generally over produce during the spring and fall by 3 to 4 thousand kw. And use some of that during the winter.
The batteries just float until a outage. Or thunderstorms I disconnect from the grid.