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...200W, 500Wh system... valuable in the event of backup generator needs
"Backup generator needs" == powering the fridge for the most part.
200W doesn't even start to cut it.
. If someone installs solar panels, they drop their payments to PG&E to $0
SunnyvaleCA says. If someone installs solar panels, they drop their payments to PG&E to $0
Minimum daily charge courtesy of PG&E is $0.32854 (a little more than $10/ month), so you'll want to undersize your system by about 10% or more.
The electricity cost to the homeowner does not have a fixed part for the infrastructure. That 24¢/kWhr covers both the infrastructure and generation of power. If someone installs solar panels, they drop their payments to PG&E to $0, and so aren't paying anything for the infrastructure costs still incurred by their being hooked to the grid. Unless the cost scheme changes, expect a "positive" feedback loop where kWhr costs increase, forcing more people onto solar cells, which causes the kWhr costs to increase further, etc.
For me, I only run 8 kWhr per day, so it's still hard to justify the fixed cost aspect of a solar cell system. As that fixed cost comes down, though, the numbers keep improving. I'd like to see a setup where I pay some fixed costs (let's say maybe $4k) for the inverter and other hookup-related initial expenses. Then I can add more and more solar panels myself as my needs change. If, for example, I put in air conditioning, I'd just buy a few more panel...
OK, at $500 it's not really economical, but this is a solid start to solar everywhere. Maybe they will one day get down to $50 per unit.