Residential solar panel installation; Anyone here have experience to share?

We get the door to door solar guys just like the roofing guys all the time. No, you aren't doing the house down the street no I won't get ROI from solar, and no, I can show you my roof isn't leaking.
I can't see making monthly payments that are larger than my electric bill to save paying the electric bill. My SIL bragged he only paid $25 a month for electric, but he was paying over $300 a month for the solar install! Guy across the street also says $25 month for electric bill, but reluctantly affirmed he pays more monthly for the solar set up than I pay for my electric bill.
Just doesn't make sense to go solar here unless I'm into saving the planet or something.
That's news to me. They usually have the numbers figured out where the payment for the panels do not exceed the monthly bill for electrical usage. At least that has been my experience. Granted it's all buried somewhere to make it look this way.
 
My experience is that I beat the ROI my dealer/installer estimated.

I would avoid door to door and go with an established local installer.
 
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