True. I'm biased by living in a place where the peak load does happen during daylight hours (because that's when you need to run the A/C) and where heating usually happens via gas. Electric heating would indeed shift that dynamic (though municipal water heating would shift it the other way).
In many places in the world, peak load does not occur during daylight hours, especially during winter
And yes, further north the days are longer but the solar capture efficiency is also much lower