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> they normally pay for themselves after something like 10 years from memory

I would guess this varies by locale, and people usually assume the time value of money to be zero when they make the claim. In much of the US, I think the payback time is more realistically in the 15-20 year range, which means you really only want to install panels when you install a new roof. Otherwise the lifetime of the roof will happen before break even on the panels.

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> This isn't to say that installing solar panels on your house is a bad idea - they normally pay for themselves after something like 10 years from memory

I am with you, this would be better on a town or regional basis instead of on everyone’s roof. Our houses already have wires going to them and I can’t imagine my particular roof or garage is the best place to put panels and batteries. But I understand it’s a political / administrative issue which may well be not solvable easily in many places.

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Rooftop solar costs 3x more per watt than utility scale. The only reason it would pay off is that you're able to avoid grid maintenance costs built into per-kwh pricing.
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Residential electricity pricing is 3x-4x wholesale pricing.
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Which is gaming a particular kind of rate structure. They would not do nearly as well if grid maintenance charges were decoupled from consumption.
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Rooftop solar (ideally with battery backup) allows you to be independent of the grid (yes, even if you're interconnected, if you do it properly), which means PG&E's garbage infrastructure can largely become irrelevant if your system is properly sized.
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