It's just not worth it once you factor in the period to recoup investment on the panels. The extra headache and risk plus long period before you're in the black anyway, just nowhere near being worth it. And all that assumes nothing goes wrong with the panels
If I thought I'd live more than 10 or 15 years in my house (Which I'm probably not) then I'd be investing right away. But I have already lived 10 years in it, will do max 10 more years, and the roof is also 10-15 more years since the house is 25. That makes it a non-starter for me. I'd do it if I were in the black in 5 years though. Or if I had more than one power outage lasting more than one hour a year. Luckily I don't.
It's actually quite easy to accidentally create a leak with various common roof systems. It's often quite easy to fix the mistake when it's made. But the mistake is not always noticed, and the work is not always done by competent and experienced people. There doesn't need to be anything malicious about it. Part of my day job is fixing those mistakes.