What you say is probably true in Michigan, but not so much in Hawaii. For big parts of the US, AC stands for most of the consumption, and you do have the highest power demand when the sun is strongest.
Just to muddy the waters further, most people are at work when the sun is strongest leading some to recommend that home PV arrays should be orientated towards the evening sun. Of course if your home and work electricity grid is connected then this could be mitigated.
In the current architecture, electricity can't be shared out of your own neighborhood, so this wouldn't be the case for bedroom communities.