Where I live now in the Netherlands, it feels like 30-40% of private homes have solar and 80%+ of business and government buildings that use more energy during the daylight hours so the payoff is much more realizable.
Our dear leader has been busy decimating small businesses that rely on federal incentives to build renewable power generation lately. This hit particularly hard in Texas.
The boss move is buying a plan with cheap to free electricity at night in exchange for a ludicrous day rate, bonus points for buying batteries to self-consume and/or charge at night as needed.
Going strictly by the numbers, it's a judgment call as to whether it's "worth it" or not, but the power independence for doing so is fantastic IMO YMMV. My Maslow hierarchy may not match yours.
Gardens and vinyl siding get shredded by hail and vehicles get smashed up, but solar panels generally do fine.
[0]: https://www.energy.gov/femp/hail-damage-mitigation-solar-pho...
> Manufacturers Say Hail Yes to Solar Panel Testing