It's hard to judge with the mini-split, since the house didn't have A/C at all before, and the ADU is new, so there is no history to compare.
In the next few years though, I intend to install solar and batteries. This takes a little longer to pay off, but it's getting shorter all the time. Utilitys, especially SDG&E here in San Diego, have been raising rates at ~12%/year for quite a while.
I hope to be totally energy self sufficient in another 1-3 years (including operating the car).
I would expect this prospect to be very appealing to conservative rural residents, and yet for some reason there is a huge support for continuing to be dependent on oil companies.