It's your state/city. You guys can do what you wish. Florida is taking a very different approach and is hardening the grid over time. FPL has been working down here in SWFL pretty much non-stop since Ian to meaningfully harden the grid. You don't have to get to 100%. Not sure that is even possible. But steps can be taken over time that really start to make a difference.
Who pays for it? We all do! Pay now, or pay later, we are all paying regardless. Taking steps over time to harden the grid in ways
@Manatee Diver has mentioned is the only logical path forward IMO.