Most solar charge controllers allow a certain amount of PV overprovisioning.
PS: Geothermal can also slash energy needed for heating. Ground sourced heat pumps are the only reasonable small scale solution, but in urban areas going a little deeper starts to make a lot of sense.
Perhaps as a complete energy solution. But it is already the case today that a domestic rooftop solar in Europe (maybe not in the very north) has payback times <10 years. And that's without factoring in batteries which (as the OP describes) are rapidly approaching affordability.
Hamburg is at 53.6 degrees North; Berlin is 52.5. Both are just farther north than Calgary, as a pretty reasonable comparison for the US.
To contrast, New York City is at 40.7 degrees, and Boston is at 42.3 degrees North.
Using an overprovisioned quantity of cheap cells is part of it.
Insulating and air sealing your home well is part of it.
Thermal mass approaches are part of it. Without cheap batteries, it's very possible to store a great many kwh in volumes of soil, water, or sand riddled with pipes and resistive heaters.
This year it has been pointed out that vertical bifacial solar panels radically outperform tilted arrays if snow is a possibility. Expect this to be the new normal at high latitudes as cell area is very cheap now.
