Never have taken my generator with us. Always had electric hook-up camp sites. Sometimes no water on site, but always electric.
One campground we were at a few years ago had full hook-ups. Well, their water system was on a well maintained at their campground. As you guessed, when the electricity went out due to a storm, so did the water. It was at that point I learned when first arriving at our campsite, even if there are full hook-ups, to always fill my fresh water tank in the event of power failures. (I travel with empty tanks).
And a couple years ago we pulled into a (new to us State Park in Indiana) and discovered the shore power pole plug was defective. We ran an extension and plugged into the next pole over. Everything was fine then. Park DNR came out, fixed the plug, plugged in to our post and about that same time, the neighbor camper came in were we were previously plugged in ... we got fixed just in a nick of time!
In 30 years of camping with my wife, from tents to travel trailers, these are the only two times we had electrical problems. Sill, not enough reason to carry a generator all the time. Generator stays home. We have power outages at home in the summer quite often. It's more beneficial to use it at home than camping for us.