The equipment is nearly free compared to the labor to install it. At least the last time I checked. I could do my own DIY system for about 1/4th the cost of one "professionally" installed - and I use the scare quotes for good reason. Most of the installation companies for residential solar exist to sell financing, the solar bit is just an unfortunate tertiary (behind grifting on the green energy credits/tax rebates) concern for most of them.
Panels costing an extra 65% is a rounding error for me. I'd need a whole lot more real estate to put them on for it to become a significant fraction of the total system cost.
And that might even STILL be okay if the quality of engineering and workmanship was decent and available. I'd pay the going rate tomorrow if I could find a highly competent electrician/company to do the over-engineered setup I want today. I'm not interested in saving money - I could care less if it ever pencils out. I'm interested in having a system that can survive a lengthy grid outage situation that is fully redundant and properly engineered to industrial level standards. This is effectively impossible in the US, but friends in other areas of the world have had similar setups installed for years.