I Hear ya, same.
For about 100 days from last week of October to the first or second week of January, solar is not very reliable, and winter storms can take out the utility like you say for long periods. Never know if an outage will be several minutes or several days, depends on the cause. One April we got a huge dump of heavy wet snow, stuck to all the tree branches and when these broke, they took out the power lines in hundreds of locations in the area. If we have a storm in the forecast I just charge to 100% SOC too. In regular weather from November to January, we charge each night to top-up the difference between what we got from solar, and what we need per day.
My solar runs my home and business (next door) too, I know what your feeling.