Agree, we are on a rural Co-Op and it's 10-11 cents a KWH. The math is not really mathing for ROI.
However, what makes it increasingly attractive is the grid outages. We just got back from Oregon but while we were there, there were storms in Central Texas and the power was off for 7 hours. When we arrived from the airport the next day the dumb (as in not WiFi) thermostats were waiting for me to re-input the date and time before switching on the system. The house was hot. So frustrating. Thankfully we left the fridge basically empty so there wasn't any problems there, and the frozen food hasn't made me sick yet!
Plus we get ice storms, floods, hurricanes, etc. I'd prefer not to be 100% reliant on the grid.
Solar+battery seems like a way to avoid all that.