You can do all you mentioned in the first post just off your 12v battery. Some of the lights. Refrig on gas. Water heater on gas. Furnace on gas. The furnace blower runs off 12v. If you need more battery power for longer periods of time, consider adding a second battery. Several here have done that. Also, some have gone to 6v golf cart batteries connected for 12v.
If you want 110v then you definitely need the generator.
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