>mini splits are not good enough for MA

That is just flat out false. Norway, Sweden and Finland have been using them for over 20 years... The newer units function just fine down to -22F....

Totally off grid will be ridiculously expensive... better solution would be go all electric mini splits + heat pump water heater... then add grid tie solar to get net negative on annual consumption. You will end up with a minimal connection fee.. not sure in MA but in WA it's about $7 a month...