If you lose power that much then a standalone is worth it. PG’s are good for basic needs (fridge, ac, heat, oven, etc) as long as you have the wiring installed by a pro. There is alot of good ones on the market at a fraction of the cost of standalones. It just depends how much power you need.
https://www.popularmechanics.com/technology/infrastructure/a64917889/how-to-connect-a-generator-to-your-house/?utm_source=google&utm_medium=cpc&utm_campaign=mgu_ga_pop_m_bm_prog_org_us_a64917889&gad_source=1&gad_campaignid=23528319530&gbraid=0AAAAADCyiSlllkc8D1E59aDuuyYUORV7j&gclid=CjwKCAjwsfzSBhB5EiwAOGyqSSHSQy-bRh7GGYXtx3pUUINzlpjhy5SGDB0gRV2YQbxGfKzTwrmyXBoCF4EQAvD_BwE