But indeed, no, this just doesn't work. Best available efficiency for round-trip electrolytic fuel production / electricity generation is 40% or so, meaning that those roof panels wouldn't be enough anyway. (Also there's the problem of having every home store a winter's worth of pressurized hydrogen or whatever on-premises. Yikes.) It's not worth it.

Home solar is attractive because unlike most infrastructure it scales down really well and is actually feasible to do at the level of an individual user. But, like most infrastructure, seasonal power management is a grid-wide problem and needs to be solved at the utility level. There are plenty of tricks available there that homeowners don't have access to.