I decided to install solar myself, paid out of pocket, after having sales rep after sales rep knock on my door trying to sell me a leased or financed system. What they were offering for $60k over 30 years, I was able to do for $23k after incentives, and I fully own the system. The hardware itself is top of the line, and so will be less likely to need repair over the next few decades.

But if I do need it repaired, I can call up any good installer in the area (ones that make their money putting panels on roofs, not the ones that make their money selling loans and leases), and I'll still be ahead.