Solar panel grid tied inverters generally will refuse to function if there's no external power coming in.
The benefit from the distributed generation means that if your local area has large loads added you don't necessarily need to upgrade the HVDC lines from the power plant to accommodate.
though linemen are trained that they are working on a live line unless they have personally shorted it out. There are many other ways a seemingly dead line can be live so they don't take a chance.
The load side (your neighbors) cannot pull more power than is being generated. My 7kW array can generate 7kW and no more. No breakers will trip in a hypothetical scenario where my inverter fails to shut down during an outage, and my neighbors are trying to drawing 10kW.
You're probably right about linemen but there are a lot of other reasons not to feed power onto a dead grid.
I think homeowners should install solar panels and batteries where it makes economic sense. If there's money left over after funding utility-scale solar then it should be used for EV incentives and/or funding electrified mass transit. The whole point is to electrify everything rapidly and reduce carbon emissions.