This seems pretty wasteful. Going without electricity for a day really isn't such a burden and a freezer can last pretty long or if it doesn't there's rarely much of a problem with waste if you just eat the food in order.
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The problem isn't going without electricity for a day, it's that you don't know if you will only have to do a day.
Also keeping people out of the damn fridge. But that can be modified through other means.
Risk management isn't a waste
Too much is. How much to spend on it is the tricky part.
A backup generator is wasteful?
Where do you live?
Well now I live in Berlin and I'm not sure if I've experienced a power outage in 3 years. I remember a Swiss guy from Zurich that had only experience a one minute power outage in his entire life through 18 before moving out of the country. I met him in Nairobi and there electricity was out pretty much daily and a generator was de rigeur. I've lived in suburban America and never had a generator but my parents were 'pioneer stock' and we knew the methods: candles, fridge access extremely limited, warm blankets if Winter, etc...