Solar is a personal choice.
My PSEG Bill without solar was $300.00/month.
My February/March bill with solar is $35.00.
How much did the setup cost and how long will it last?
There will always be costs associated with installing a new system in your home.
Your questions sound as though you are looking for the negative. You haven't found it.
How about we go with $12 for the system and install. I have found systems that cost more and systems that cost less.
In a year the difference between $35 a month and $300 a month amounts to a savings of $3,180.00 Over 5 years you can save $15,900.00. Pretty much any decent solar power system will last more than 5 years.
Most home solar systems will easily last 10 years (with a few minor repairs and regular maintenance. In 10 years you can save $31,800.00.
And all of that does not even address the reduction in pollution achieved by solar energy.