Mark Wrote: "Having some power, even if it is only during the day (i.e. no storage capacity) should be better than nothing at all."
You need an energy storage system if you want to operate in a no-grid or down-grid home. Applicances will have a high current demand during the first second of startup and will your PV array may not be able to supply enough power for startup. You also need to have power storage to handle PV ouput drops, when cloud coverage drops the PV output. It would be bad if you have frequent brownouts that will either damage yoir inverter or damage your applicances. Its also possible that a running device such as a washing machine with stop mid-cycle causing problems. Small battery banks are prone to shorter lifetimes. A bigger bank will last considerable longer since it the batteries will degrade much slower. Higher voltage banks are better than low voltage banks. Ideally a 48V battery bank or higher voltage would be best since the inverter & chargers will operate more efficiency and reduce system operating stress.
Mark Wrote: " Investing in insulation may be a lot more effective than adding more batteries or solar panels for example. If building you home, some intelligent design could go a long way to reducing the needed solar/battery capacity for your dwelling."
Yup,Insulatation is key to both heating and cooling.I am working on designing a home with about an R-30 envelope Walls can be 2x8 (two 2x4s) or constructed with SIP (Structured Insulated panels). Roof and siding should set up with an air gap to permit convectional air flow to avoid summer heat from transmititng into the home. a Metal Roof should have a thermal reflective paint. For insulation, either spray foam, rigid panels or Roxul panels. Personally I am avoiding spray foam, even though its the most efficient because of toxic problems if its not applied correctly, and would make repairs more difficult. Currently, I am leaning towards Roxul semi-rigid panels with 2x8 construction. I would recommend avoid using the tradional fiberglass batts do to poor efficiency.
For heating system the best option (from my research) is to go with hydronic radiant heating. which PEX tubes are placed the floor. This is generally more efficient than baseboard convection radiators, and the hydronic system can be coupled with solar thermal panels. In most cases, solar thermal panels do not get the water hot enough to permit convection radiators to function. Base board radiators need about 160F to operate. While is possible solar thermal panels can provide 160F water, its unlikely to provide that during the morning and late afternoon, or in poor weather conditions (spotty clouds) Hydronic Radiant systems can operate with 80F water, which will make better use of solar thermal panels. A hydronic radiant heating system can be coupled with multiple heating sources: Solar Thermal panels, Wood stove or Outdoor wood stove, and traditional furances (Oil, natGas, Propane). The heat sources can be coupled in-line using a set of heat exchangers to get the water temperature to appropriate level. Also a hydronic radiant heating system can make use of thermal mass, if the tubes are placed in the concrete slab, or in a gypsum floor pour, can permit the home to remain warm for many hours after the heat source is removed.
ideally it would be better to purchase land without a home and build a new home designed around efficiency. I think it would likely be more costly to retrofit an older home than it would be to build from scatch. The problem with older homes is that the walls are usually not sealed very well and a there is significant air flow between the outside. It would be difficult to retrofit a 2x4 or perhaps even a 2x6 home to R-30 equivent (in my opinion). You would need to completely gut a home for a retrofit which will cost a lot of money. In a retrofit, you will also likely need to replace the windows, roof ( with durable metal roof), low maintaince siding (hardie board). Basically the only thing reusable in a home is probably going to be the foundation, plumbing, and the framing.
"Things like sump pumps, freezers/refrigerators, and the furnace"
I would think you want to operate more than just those basics, including as a vacuum clear (shopvac), well pump, fans (Window/ceiling, in hot weather conditions), washing machine for clothes, Kitchen appliances (blender, mixer, microwave, toaster, vacuum bag sealer, etc), air compressor and other shop tools for maintaince & repair. There is a big difference from living with out power for a few days, to living without it for weeks or months.
if you want to learn more about energy efficient design, I would recommend you take a look at "Matt Risinger" Tube channel. Matt is a contractor that specializing in energy efficent and low maintaince homes.