the averge person spends most of their time during daytime away from home, so its far less practical to have solar at home.

Only because of hostility to work-from-home policies; plenty of people spent their days at home during the pandemic, and there’s also carers and the elderly that are home most of the time.

But this is definitely a “why not both” scenario as both will have benefits and aid in greater decentralisation of the grid, reducing the risk of down time (whether intentional or otherwise).