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Accurate short-term forecasting of household electricity consumption is vital to contemporary distributed energy networks. Most approaches to load prediction rely on deep neural architectures and require access to confidential, user-specific consumption records during training. Traditional neural network training typically collects all available data at a single central location to develop one unified model. Nevertheless, pooling individual user information in this manner raises serious concerns regarding data security and personal privacy. To address these issues, the present research explores federated learning techniques combined with model personalization as promising alternatives. Through a comprehensive simulation-based evaluation, these approaches are benchmarked against the standard centralized training strategy and a simple pre-trained reference model. The analysis reveals that the intrinsic characteristics and heterogeneity of the underlying electricity consumption patterns significantly affect the resulting model error levels. Consequently, directly contrasting error distributions across methods largely reflects differences in data composition rather than true differences in algorithmic effectiveness. To overcome this limitation, the study introduces a novel evaluation technique termed “differential comparison.” This approach focuses exclusively on pairwise loss differences across identical data instances, thereby enabling a fairer assessment of relative model improvements via the resulting difference distributions. Applying this method demonstrates that personalized model training outperforms all other strategies examined for residential load prediction, achieving better results in 59.1% of the evaluated scenarios.