I bought a boat with a broken generator. That fact (and the newly rebuilt engine) sealed the deal. A non-functioning generator is a huge liability to those who are dependent on them and apparently a lot of boaters are. For me, it reduced the selling price and is just additional ballast until I can get rid of it. Two more batteries in it's place will be cheaper than fixing the generator and give us plenty of quiet time at anchor.
For us, it isn't so much where we cruise that determines the "necessity" of having a generator or solar. It's how we cruise. I suppose one could "need" to run a generator to heat hot water for a 15 minute shower in the morning, and then keep it running for the water maker because of the 15 minute shower, and then keep it running for . . . . . How could a person survive without that stuff? Turns out, quite easily. I might have to shower in the evening when the water is still hot from the day's run. Or in the afternoon when the solar shower is ready. Oh the inconvenience!
The need for a generator could be a sign that your boat is too big.
The rap I always heard about wind turbines was the noise carrying down the mast and throughout the boat. Like a generator, some can get used to it. But since I'm used to silence at anchor, I think I might find it irritating. And then I'd have to make a choice. Reduce my electrical load or listen to a wind turbine all night. I've always chosen listening to the wind.