I think this is wise of you. Even if you don't get a major storm, a generator may come in handy, as will the a/c unit. It may be that at some time you'll decide to turn off the whole-house a/c and just cool one or two rooms. For economy or some other reason. I would not consider it a waste, at all. It's planning.
After the electric wires behind the apartment building next door crossed (after losing insulation) and we and others were hit with surges, which burned out the controller on our furnace, we had a whole-house surge protector installed. There have been no surges since then, but who knows? The conditions that led to the problem in the first place are still there -- power lines strung along a line of trees, and if they don't keep the trees pruned, they will rub insulation again. But maybe we won't have expensive repairs.