For energy generation, being close to the point of usage prevents waste from energy transport. For energy storage it’s probably more efficient to do this at larger scale, which means centralized systems.
So I think it’s more complicated and depends on a lot of factors. Stating “Centralization is more efficient and less wasteful” as a hard fact is misleading at best.
How big is your house? My roof is covered where it’s practical and efficient to do so and I only have about 10 sq meters.