It also depends somewhat on how much energy you use. I live in the Netherlands where everytime I bring it up, I'm told "that's just not possible, you will never make enough in winter", but these same people have no idea how much energy I use. On a bad day, I use maybe 10kWh and that's running the AC with the thermostat set to 19c overnight and a bit during the day at 22c. I don't have a giant fridge, I don't have any gaming PCs slurping 200W on standby, etc. My baseline usage is around 300-400W to run the old freezer that never turns off (70W), my network equipment, a fan in the garage to prevent moisture buildup, and some lights.
My 1.8kWh system at 20% output covers a great percentage of my baseline usage during the day! I'm probably going to add a small battery so I'm not penalized for sending energy back to the grid, but I'm not gonna need much until my kids get older and want new gadgets. The cool part about modern electronics is that we're generally getting more efficient too with newer tech. If I replace the old freezer, my baseline usage drops 20%+.
I don't disagree with your point that sometimes nature is simply just working too hard against your efforts, but I also wrote all this to say that some people need to really do the math and not rely on "common knowledge". Energy efficiency has come an extremely long way in the past decade and much of what was true when residential solar first started popping off is now outdated.
> I'm not gonna need much until my kids get older and want new gadgets.
FWIW, a MacBook Pro in active use uses like 45 watts max and an iPhone really like 2-7 depending on the use. I wouldn't worry too much about gadgets.
Electronics is not the issue of electricity usage in winter - heating is. Of course, if one uses fossil fuels for heating, it might seem one doesn't need that much electricity to survive winter.