I have a 44 panel 22kW solar panel system that is grid-tied with net metering. It runs my house, barn, shop, and 2-story garden shed. I haven't paid an electric bill in 3 yrs now...and the electric company has to pay me, dollar for dollar what they charge customers, for any overage of electricity I make that they keep. On the flip side, I pay $300/month in a low interest loan (0.5%) that I used to buy the system. I figured paying a fixed $300/month for 10 years was a better deal than the ever-increasing rate charges coming from the electric company. I was already paying more than $300/month nearly half the year and that was 4 years ago. The loan also covered a whole house generator with automatic fail over. It runs off a 400 gallon propane tank that I haven't had to refill in 4 years.
If I build a new house, I will change my setup slightly. I'll store the energy I make to batteries and THEN sell the overflow to the electric company. I'd still keep the whole house generator too... But by storing my own electricity, I wouldn't be at the whim of the grid, if it goes down. Either way I'm still covered by the generator, but I'd have no vulnerability at all if I stored and used my own first.
Almost forgot... I also got $26k back in my taxes the 1st year from solar tax credits...