What you are saying is absolutely true, the point I was trying to make, buying the solar panel, you are being ripped off in any case, so although you are saving in the long run, at the point of buying your panel, you're being done in. Or so I believe, maybe the numbers work out a bit differently where you are, but where I am, if the grid power is increased 100% right now, you'll most likely still be better of using it, that's how expensive solar solutions are over here.
I've done a breakdown before, somewhere in a post, it's scary.