In Florida, when there are clouds, air conditioning electricity demand is less.
Going 100% renewable would be All Out Crazy.
Equipment needs depend on usage patterns. As you note, certain amount of AC power is only needed when sun is shining, so don’t need battery backup for that part. This whole issue IS a solvable engineering problem, though wallet may not like the solution.
Were I in a CA-type mitigating blackout zone, I’d go for 100% renewable immediately - and rationally accept the costs/risks. (Moving out of CA would be more likely, but for sake of argument...) I’m dabbling in solar now (in GA), but would go all-in the moment the grid shuts down for what amounts to political reasons.