Without batteries you're still screwed when the power grid goes down.
Grid tied system is a good idea as it lowers the investment, but you need at least a small battery system.
Yes, that IS the problem with grid tie - grid is down, you are down. I'm not too worried
It must not get too cold where you are then

It's a real beach when the power goes out for a week in the middle of winter (unless you've made conitngency plans that don't count on the power grid I suppose.)
We didn't run our heater once last year. We live in the Sacramento Valley and it gets into the low 30s and a couple nights high 20s at night. So, probably not as cold as some of you here

During the day doing things around the house you start to notice the cold on those REALLY cold days but overall I was fine, my lady noticed it a bit more.
It can be done around here though.
-TOdd