At your prices, just battery seems a way to avoid all that. The installed price of a Powerwall runs about $14,000. Your price may vary, of course. That’s about the installed price of our Generac, but the Powerwall doesn’t require a propane tank in the yard, nor does it require annual maintenance. It might be worth pricing out the options for standby power.
This is a case where the capability is desired, and not a cost question. If you add up the likelihood of having to throw out all your food, and the cost of that food, then, standby power has insufficient ROI, based solely on total costs on both sides of the equation. Take the chance, throw out the food if it happens, and you’ll be spending less.
But if you value the convenience, the lack of worry, or other good reasons, outside of cost, to have standby power where power is unreliable, then this isn’t a money discussion - it’s a capability discussion - and comparing battery with ICE generator is where the money can be examined.