Appreciate the detailed calculations. My coworkers in California were quoting worse, but they probably paid for installation labor. > I never take loans other

Appreciate the detailed calculations. My coworkers in California were quoting worse, but they probably paid for installation labor. > I never take loans other than a mortgage (which I paid off), instead I use money I saved up So opportunity-cost-wise, you'd have to otherwise invest in something that doubles in value over ~a decade. That's hit-or-miss with stocks in the US at least, so 5.7y break-even on this sounds decent.