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Actually, even the cheapest inverters are over 90% efficient. The rest is dissipated as heat. "Idle" power is typically only a few watts, if that. If you've got a 100-watt load, no more than about 10 watts is "wasted"....inverters are notoriously inefficient.
The Ridgeline's headlights alone consume 120 watts of power. Another concern is the type and size of inverter required to start a refrigerator's compressor and prevent it from overheating.
With a refrigerator that consumes 175 watts when running, it probably takes at least 500 watts to start it. The inverter will need to be able to supply this amount of power for a fraction of a second. A 200-watt inverter can't - it would simply turn off. To be safe, you really need about a 1,000-watt inverter. Then, there's the issues of true sine wave vs. approximated sine wave. The latter are cheaper and much more common, but cause motors and other inductive loads to run hot since the output is actually a series of square waves - very poor quality power.