A disconnect isn't a huge deal, most houses have one but they don't have a lock-out position and that's a must for an islanding operation and you'll need invert

A disconnect isn't a huge deal, most houses have one but they don't have a lock-out position and that's a must for an islanding operation and you'll need inverters that are happy to produce power even when the grid isn't present. Those are not the norm, but you can buy them (I'd recommend Victron). You'll also need a fairly large battery to stabilize the whole thing, without a battery you'll see massive voltage fluctuations as the inverters try to adapt to load without the required low internal resistance backing, so I would definitely recommend against that unless you like buying new stuff every other week.