Going off the grid is just as much about conserving as it is about producing energy.
No way do you need a 200 amp service for a conservative home. An aggressive off the grid home could get by fine on half that, have wind/solar/battery system with a one lunger lister running on used grease for cloudy still days. I think anyone who is handy could build the whole system and get it working for under 10 grand. You could always add more panels as you could afford to.
Also I would look into a pellet stove. People here are heating for $2-$3 a day.
Also you might look into having an energy audit done. Some states have a one time energy grant to help you get more efficient.