Up here, you better have a disconnect if you have public power even in the rural areas. Few years ago, a farmer plugged in a large PTO driven generator into his welder outlet and was lighting up the whole farm stead. Very nearly got one of the power company employees killed.
A lot of us used to run a drop cord to what ever we needed to run during outages. We didn't want to hurt anyone.
Family member has an off grid ranchstead. You would never know they are not on REA unless you look close. They have a combination of solar and standby generators. They use a pretty large diesel generator for peak times during the winter but they get along very well. It cost them, I think, $25,000 complete. Rural Power Company wanted over $90,000 to bring in a line. 5 years later, he tells me it is actually more cost effective. So far the upkeep has been less than the other headquarters that is on public power monthly bill. But their main shop is on the power company, so it isn't really a fair comparison.