So, the contractor from Generac came by this morning and looked things over and gave us a quote for the natural-gas whole-home backup generator. Since we have primarily natural gas appliances and use electricity for very little of heating anything up even (apparently) keeping the hot tub at temperature (but not running it with the pumps on high) a 18kW unit was apparently all that was necessary. The costs came down to about $6k for the generator & battery, $4k for the install & inspections, and $500 in taxes for a total of $10,500. There's a promotion running until mid-April where the warranty is extended to 10 years from the standard 7, but presumably we would have to have the basic maintenance on the generator done by the contractor to the tune of $230/year. If we wanted the remote monitoring by the company as well it would be $50/year after the first free year of it.
So assuming that we wanted to have all of the maintenance done by contractor and have the remote monitoring, over 10 years the total cost (not including the natural gas it would use) regardless of whether it was ever actually used would be $13,300. Extrapolating that out to 25 years (since that's what the solar quote uses for savings over the 'life' of the system) and assuming the maintenance and monitoring rates didn't go up, it would be $17,500.
So, comparing the 2 practical options (the theoretical 3rd- solar with no battery- would be kind of pointless for my intents...):
(note: this assumes no maintenance cost for the solar, which it shouldn't need unless there is physical damage, and doesn't account for degradation of the batteries and does not include NG usage by the generator).
So- from a purely financial standpoint, in the shorter-term (which is fairly reasonable considering we know we won't be in this house forever, I'm guessing about 10 years max) the generator is the more cost-effective option... and also has the advantage of likely being able to physically take the generator (which is over half the cost of the system) with us to a new house, assuming it would be sufficient for it. Of course, the generator a) provides nothing in return if we never have another power outage and b) would be useless if something happened that interrupted the gas service. Conversely, the solar setup would be offsetting our electric bill by a bit each month and shy of a nuclear winter should provide at least some power regardless of what is happening anywhere off of our property.
It will be interesting to see what The Dancer thinks about all of this- she was there when the generator guy gave us the quote, but hasn't seen the solar yet.
There's also the question of whether any of this makes any sense since we know we're not going to be here indefinitely- and in theory the outage we had a few weeks back would be a once-in-a-decade occurrence... in which case it would make more sense to do neither and either figure we can deal with it like we did this last time or do something like get one of the transfer panels mentioned earlier such that we could hook the existing generator up and power certain circuits in the house (like the furnace- I don't think our HF generator could handle the AC though) in the event of a longer outage.