Although the economic efficiency could certainly be debated longer now: You pay for the savings in electricity/heating energy with money/capital. Because the necessary investments are already visibly high. If you have the money, you have the fictitious loss of interest (currently low). If you have to borrow the money, you pay interest....
However: If I had the money (i.e., in the account, not borrowed), then something like that would also be my focus. Because some people simply enjoy it. Me too. I would waive the interest on the capital share in favor of the resulting thing and the joy in it and make the investment.
A combination with a small 1.5 kW wind turbine would also personally appeal to me. My house, for example, is located in a very wind-exposed spot, especially in autumn/winter/spring, the device would probably run 75% + x.
Complete autonomy is not reasonably achievable in our latitudes at acceptable costs. Unfortunately, the storage required for that can currently really not be afforded. But quotas of 70-80% over the year are already a really great thing from my point of view. I would be beaming with joy if I had something like that.
For me, the scale is much smaller: I hope to reach around 45-50% self-consumption rate in electricity with the photovoltaic system coming in spring + 2kWh storage. If I manage that, I will already be happy.