Actually for someone living in a metropolitan area with a fairly reliable power company, it's a no brain-er. Grid tie systems are way cheaper and don't have nearly the maintenance and upkeep costs that going fully off the grid requires.
Let me illustrate:
For off-grid systems, if your panels make a ton of power and you don't use it all that day, it all goes into your batteries. That is until they batteries are all full. At that point, if you don't have another place to store all that extra energy, your panels are essentially not doing you any good anymore. Sure they look pretty but that's about it.
If it was cloudy and your solar panels didn't produce very much energy, you must ensure your battery bank is large enough to sustain you. If it isn't, well... You'll be in the dark.
For grid-tie systems, if you make a ton of extra power, your grid-tie inverter simply stores it on the grid, as if it is an almost infinite capacity battery at your disposal. Only this battery doesn't contain sulfuric acid and doesn't need to be replaced after 3-7 years. It takes whatever your inverter gives it, spinning your power meter backwards in the process. At night, when your solar panels stop producing electricity and you need power, you simply pull your stored energy back off the grid, rolling your meter forward again.
If we wanted to power our home completely off grid, we would need to have a solar array that was 3 times larger than the one we have now (18.6 kW instead of 6.2 kW) only because the winter months have so little sunlight. During the summer months, there would be way more capacity than we needed but a finite battery bank to store it all. Any excess would be wasted.
An on-grid solar system allows all the excess solar energy to go back to the grid until the darker, snow-covered months when you can draw it back off again.
Because all the energy generated by the panels will always be used eventually, they entire system operates way more efficiently.