Especially if you consider that most nations cannot produce fuel rods by themselves.
And if you calculate in the risk like “get me a insurance that covers leaks and melt downs” and finance somehow the disassembly of a nuclear plant, nuclear is one of the most costly ways you can get energy.
Plus it is a huge nice target in war times.
There are so so many benefits to decentralized renewables that you intuition is absolutely correct.
Nuclear power plants only have a high upfront cost, which is compensated by their long lifetime of 60-100 years. Other energy sources also have high upfront production costs + you need to spend additional money on infrastructure for batteries/storage.
I also don't understand your argument on military targets. A NPP is a target the sane way a solar park, wind-park, geothermal facility or whatever would be a target. And to add to that, wile they are of course not indestrctible they are extremely robustly built. You can literally fly an airplane into them and it wouldnt result in a meltdown.. I do agree on your point on decentralization, yes.