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Conversion of our little house would cost upwards of a hundred grand
Yes, individual dwelling solar remains costly. The reason why grid scale is 3c/kWh is that they're putting thousands of panels at ground level in a field, not tens up on somebody's roof. If you had to drill for gas for just your own needs in your back yard, that would be even more expensive than putting up a few solar panels 🙂
Yes, exactly like that. Now that solar and wind have had time to scale up and mature, over a much shorter period than the same took for hydrocarbon extraction, they are cheaper. e.g. onshore wind is as low as 3 cents per kWh at some installations, natural gas is about 9c/kWh with an optimum conversion efficiency to electricity of about 60% in a combined cycle gas turbine generator, so 15c/kWh for electricity from gas. Grid scale solar is also from 3c/kWh.