We live in the mountains and frequently lose power due to downed trees. Our generator is priceless to me! When we retired here and bought our house, one of the main reasons we chose it was it came with a generator. When we lose power for several days, it becomes worth its weight in gold! So I'd say- buy one! When your power goes out in the middle of the night and you don't have to get up to worry about heat or your food, you'll be glad you did!
ps- Before retiring to the mountains I lived most of my life in Florida/hurricane-land, so I know what it's like to live without power for days on end!