Even where I live with a south facing roof and ample sunshine the pay off for a full system is something like 11 years - and after that I save $50/mo or some pa

Even where I live with a south facing roof and ample sunshine the pay off for a full system is something like 11 years - and after that I save $50/mo or some paltry amount. If it was reasonable I would get a small number of panels just to offsite the ToD pricing we have here (when the A/C needs to run the most) - but it seems that small installations are not cost effective in the end.