In a recent study, researchers from the European Environmental Bureau (EEB), the Stockholm School of Economics (SSE), and the Potsdam Institute for Climate Impact Research (PIK) questioned the planned development of new nuclear capacities in the energy strategies of the United States and certain European countries.
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Those potentially have the same issue. The solution to filling the gaps in production from renewable sources is not necessarily more panels or more windmills, it’s having energy storage somewhere to keep surplus energy when it’s being produced (e.g. during the day, or when the wind is blowing) available to be used when it’s not.
So in your example, each home could also have its own battery bank. Or, a larger battery bank could be placed somewhere on the electricity grid.
What makes you think personal renewable are going to be more efficient than large scale renewables? The sun doesn’t magically shine in the middle of the night on personal homes, the wind doesn’t magically blow only in residential areas…