My 2 cents, which isn't worth even that much, is:
Any combination of 3 is easily accomplished, effective, and generally worth the cost.
Having a system with all 4 is a pretty useless endeavor in most, if not all, situations.
I'm going through this with a customer right now, and it's a bit of a disaster. I told them if they just want to offload money, it's a lot easier to take a big pile of it and light it on fire in their driveway. They have a partially installed solar system, an inverter, an MTS that needs to be changed to an ATS, no generator, and no BESS. I'm not sure why they want it all, for probably what will amount to 10 hours or less of utility outage a year, and yet here we are.
Solar with BESS and a generator to charge batteries when the sun is hiding is very common on off-grid sites, and there's a lot of them in my area.
Solar with battery and utility, whether you interconnect the solar or not, is very common, although non inter tied systems are pretty rare.
Like the others have said, it's important to find out what they are trying to accomplish before attempting to design the system.