One advantage of distributed solar is that it can at least come online right away and when installed with a battery, can get a home pretty close to being fully self-sufficient (depending on the climate/heating system), whereas the generally much more efficient solar pv power facilities have to contend with backlogs in connecting to the grid, insufficient grid capacity, etc.

But yes, distributed solar will not be the general solution to decarbonizing our energy systems as a whole. Does serve a meaningful role though and there is no reason to not do both.