Having two options during cold winters can pay for itself with one emergency repair though, or be a massive savings if it can't be fixed fast enough and pipes burst.
> Gas is surprisingly, weirdly cheap, often not even metered in apartments.
Yikes. How is this possible? My guess: You are paying for it in a building fee.One of the houses I rented many years ago didn't even have metered gas. We paid a "hookup" fee to the city (like... $40/quarter?), and they didn't care how much we used, as long as it wasn't for commercial purposes. I assume the city had something for detecting extreme use or leaks, but that's probably it. It was a somewhat strange property though.
What you're describing is closest to "actually fair" I think we can get. A neighbour of someone I know leaves their apartment empty for long periods of time and when they're gone they just shut off their heating completely and leave all of their neighbours to pick up the bill - each apartment has their own heating system but they share walls, floors, and ceilings.
In Ontario Canada; your gas hookup is CAD$29/month (~US$21) every month of the year, on top of a per m3 charge for delivery to you before the gas cost itself. So on a smaller or well insulated residence, capping that pipe really helps push the economics in favour of heat pumps.
https://www.enbridgegas.com/-/media/Extranet-Pages/ontario/r...
You do not, to be clear, have a 98% efficient gas boiler. You _may_ have a gas condenser boiler which claims 98% efficiency in absolutely ideal circumstances, but realistically you're likely not getting close to that. AIUI 80% efficiency is fairly normal for real-world condenser boiler usage (non-condensers were more like 70%)
Any calculations I've done made it unfortunately useless to buy solar and instead favoured investing the money in the stock market.