Correct, but most people also use a lot of latent power ( fridge, icebox, heat pump, air circulation, .. ) but yes, not as much as being generated sometimes.
I understand that a lot of people ( in germany, netherlands and belgium ) install a battery to store that power, or use automation to limit the generated power to match the used power. You can do this with a smart meter, p1 cable and home assistant.
Personally, my one panel of 440W is more than enough. At average it generates enough to cover my usage at home ( when sunny ) and my usage when not home ( when cloudy ). And imo, every watt i generate is a watt im not paying for :')

Doesnt take away i believe that injecting power into the grid should cost you something, but it should be peanuts ( 0.001c per kW or something )