I've been looking into solar panels for my home, and the upfront cost keeps tripping me up. We get about 200 sunny days a year where I live, so the potential savings seem real, but installation runs around $15,000 before incentives. My neighbor installed them in 2021 and says his payback period is already under five years, yet another friend had trouble with a shady installer and now regrets it. Do you think home solar is actually worth it for an average family, considering the maintenance, resale value, and changing utility rates? I'm leaning yes, but the risk of something going wrong makes me hesitate.