I'm almost certain that putting the money that they cost into making my home more efficient in the first place, by doing things like sealing leaks, upgrading the insulation, and, yes, making the roof a lighter color, would have reduced our energy consumption by more than the amount that the PVs are generating.
The PVs absorb a lot of thermal energy, too, more than the shingles themselves do. So they make the roof hot. You can actually feel the difference inside the house - the rooms that are underneath the solar panels get warmer in the summer than the ones that aren't. So some amount of that electricity we're generating would seem to just be undoing the effects of the PVs on the house's thermal situation. There's still a net benefit, but probably because we're people who are inclined to accept that summer is hot in the first place. Trying to keep those rooms at or below 80F/26C might be an expensive endeavor.
Also, I've discovered that one does not simply have a roof leak fixed when there are solar panels on the roof, because they are in the way. So maintenance has been rather more expensive than I expected.
In general, I'm sanguine about solar as a renewable option. I'm just increasingly inclined to believe it's better implemented as an industrial technology, and that homeowners probably have better options for greening their houses.