Echoing most of the other sentiments here...
We moved here in 2020. One of the first things I did was to go to Home Depot and buy a portable generator: Westinghouse iGen 2500, which will run pretty much everything in the house except the AC, and as we have a couple of really large fans I figured that if worst came to worst those fans would be enough to tide us over until the juice came back on.
Turns out that the only thing I've used the generator for is to power my lawn mower, and that only occasionally so that the generator stays in running order. We've lost power a few times, mostly only for minutes, and as far as I know caused by accidents or planned interruptions caused by construction in the area, the longest being about two hours.
You could certainly buy a portable generator for your peace of mind: they're not very expensive and don't take up that much room in the garage. But buying a whole-house hardwired-in generator is, imo, overkill.
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