Local legislation can make a huge difference. In my country, you can install solar panels without storage, pump the electricity directly to the company, consume theirs, and pay the difference. Our house produces more than we consume, so charging an EV would still be mostly free for us.

If the energy company didn't buy our electricity, we would be forced to use batteries to store the surplus to charge the EV batteries.

The only disadvantage is that during a blackout, we still produce energy but can't use it. Fortunately blackouts are very rare in my region.

Same here, but the initial cost is gigantic. And after a lot of Poles made the leap of faith and went all in on renewables, the gov changed the rules of buying/selling so now if you don't have a storage, there's a very small chance this investment will ever pay off. And if you want to have a storage, then you basically need a small bunker, a separate structure, to stay compliant, which requires from you to be even more wealthy.