OK, I'll jump in on this. A couple years ago I had an automatic 20kw Generac running NG installed. I could have gotten by with a 17kw but the cost difference was only a couple hundred for the bigger unit.
We live in a rural area but have the convenience of NG. Now the Generac carb has a lever that you can switch from propane or NG so no worry about getting the wrong fueled unit. The GenSet also comes with a built in trickle charger that keeps the battery fully charged when your on the grid.
We have a well, septic lift pump, 2 fridges and a freezer, electric washer & dryer, dishwasher, 2 microwaves, 1700 sq ft detached heated garage, 3 electric garage doors, AC, alarm system... and a bunch of other stuff that I could go on listing. Oh yeah, and a wife that's a cousin to "chicken little"!
Now I went for convenience , no hassle, start up - run - shutdown even if we're not home, vacations etc. Do I care about fuel consumption.... he!! no. I care more about our home and contents. We do not want to return from an extended vacation.. whatever, and find the power went out 2 days after we left and have a big mess to clean up in the summer OR winter.
Now if we were home body's and were available to run extension cords, haul gas, manually activate transfer switch, we may take a different view of things, but I doubt it. There's just something about running extension cords through a open window at -15 F that don't appeal to me.
Now those that live in warmer climates could very well do with less, but where we live, the north woods, I don't want to mess around.
Anyone living in cold climates should have the cold weather kit installed on the unit, factory or dealer. Also whatever brand you choose (your choice) make sure the dealer is full service. There are a lot more dealers out there that do the install but not the mechanical service. You want one that does both.