California is way more than national average. I don't have TOU. I'm on PG&E. TOU and EV plans are not much better.
The EV schedules pay 25 cents for offpeak (but much more for peak):
Making sense of the rates
The TOU is 28 cents in best case for offpeak:
https://www.pge.com/pge_global/comm...rates-work/Residential-Rates-Plan-Pricing.pdf
Even without solar, there is little benefit for me to switch to TOU, as I would either break even or I pay a lot more if I have too much peak usage. I think this is generally the case for most people.
NEM pays 4.5 cents per kWh if I have lots of excess, it's close to worthless to me. By "free" I mean my solar generates much more power than I use, so all my usage is completely offset. All I pay for is minimal delivery costs (about $10 per month) but even that is offset on annual true-up.
That's why I put "ignoring panel costs". I didn't want to go into details of the costs of amortizing the panels, etc. My main point was about the E1 schedule electricity prices being already higher than $0.30/kWh.