Yeah, I guess it's worth plugging into PVWatts to see what extra kWh would be produced with a 1.2 ratio vs 1.4.
If I punch in PVWatts on my own array, I lose 100 kWh (year 1) with 1.4 instead of my installed 1.2 ratio. Since I'm already a net NEM consumer, this is basically stuff I'd have to...