Some of my neighbors started going to solar route and it got me intrigued. Help me think thru this please. I'm on energy ogre, the last 12 months I spent $2325 on energy including ogres fee, 2400 sqft house in south Texas. The company they are signing up with will finance the whole system for $199/month for 20 years no money down or up front if you pass a credit check. This system includes the solar system, a radiant barrier and a natural gas whole home generator for backup. Neighbors say they will likely get an energy credit or have no bill for 8 months and only have a small bill 4 months a year. No batteries on this system, solar during the day, normal power grid at night. Also has a person that helps you maintain the system. Outside of being in debt for 20 years this seems like a really good deal as I would be even money pretty much every year and would be protected from energy rates going up. I'm worried about system longevity and if I were to need a roof replacement (just got done last September after Harvey). Panels rated for 125mph winds and golf ball hail. Help me walk thru this process from all angles please. Thanks