As much as I’d love to see fusion, I don’t see it in any commercial capacity in many generations.
Part of the problem for fusion, IMHO, is it's solving a problem that we kind of don't need to solve. The problem fission would solve is a lack of fissile material to run a standard (fission) nuclear reactor. There's only so much uranium out there and, as a very heavy element, it's not exactly common. However, we have known sources for plenty of it, and if we are willing to reprocess, it takes very small amounts to produce tremendous amounts of power.
Fusion would be better in that it releases more energy and uses incredibly common (and easy to create) elements as fuel. This would be a "must have" if we were low on fissile material, but, today, we really don't have that problem. Shoot, we probably have 100 years of electric sitting in casks called "nuclear waste" right now; just reprocess it and back into the reactor and we would have much less (perhaps almost none) demand for more uranium.
With 10 homes, it is unlikely that everybody is cooking at the same time or starting their air conditioner at the same time, and as a cloud advances through a neighborhood generation becomes slightly diversified in time.
This makes sense, however, the counterpoint that I'd make; it's not peak loads that are the primary solar/battery problem. It's overall consumption that drives the size of the battery, if my neighbor and I both consume 100KWh, he from 8PM to 12AM and me from 12AM to 8AM, going it alone or together, we still need to get 200KW of battery. Where with traditional generation, the situation is opposite, the power company only needs to size for 100KW; their constraint is transmission/transformers, not storage.
That said, your post makes a lot of sense and there's almost certainly some scale gain if you share a battery (and panels) across multiple people. I'm just not sure it's worth the hassle to do it locally, the big economy of scale would be sharing between areas that have a lot of sun right now and those that do not, which typically would require more than a microgrid.
My $170 bill for 300 kWh this month might be better spent on generation.
Over 50c/KWh! Phew. I understand why (per your explanation) but man, that does start to make a big battery bank and a diesel generator start to look reasonable! Running a generator for a day per month could fill in the gap; even gas, you'd probably consume <30 gallons of fuel for a full day of runtime at 100% capacity (charging your batteries back up).