Ohmman, what you are writing is perfectly clear and I agree with you. In fact, if the CPUC adopts NEM 3, that's what I plan to do when my NEM contract expires in two years. I'll put an export limiter on my inverter to stop sending my surplus PV output to PG&E. Instead, I'll add batteries to my system and charge them with my surplus PV production. I'll select a new rate plan, probably E-1, to replace my expired NEM contract. No more $8/kW/installed capacity/month NEM 3 charge. Since my PV array and batteries will provide most of the electricity I need my PG&E bills won't amount to much more than the $10/month cover charge that everyone pays. And with my battery backup I won't lose power every time PG&E sets fire to a nearby forest.
Hi Sky Blue; welcome to TMC!
I wish things were as simple as the layout you propose, but it won't be so easy unless vehicle-to-home bidirectional power flow becomes a reality. There aren't many reasonably affordable solutions in place today that can house daily energy production in the summer months without exporting to the grid.
For example, I have a very small solar array (6.7 kWp AC) compared to the amount of Powerwall energy capacity 40.5 kWh (3x Powerwall 2). Normally, Tesla would only recommend 1 or 2 Powerwalls for a small solar system like mine. But even with this small-ish solar system, over-sized battery, and my AC's running hard, I was still exporting about half of my daily solar production under NEM 2.0 in the Summer months.
But get this, my ratio of large storage to tiny production is so abnormal that PG&E fought me on my system. They felt I was either lying to them about the size of my solar array, or being conned by Sunrun. PG&E sent two "independent assessors" to my house to take pictures of my batteries and solar generation panel to prove I hadn't gone off the script defined on my permits.
Anyway, my point to have ESS sized so large as to avoid exporting to the grid requires an obscene amount of ESS. By my estimation I'd need another 3x Powerewalls (40 kWh) of capacity to completely avoid exporting. At that point, I think Vehicle to Home (V2H) solutions where an EV acts as the ESS is a key enabler to your plan.
Also, keep in mind my small solar array is sized to 100% of my annual consumption excluding EV charging. I have natural gas for heating (furnace and water). If you actually want to go "completely zero carbon" and use solar to generate electricity to generate home heating in the Wintertime, things become completely untenable. NorCal just doesn't generate enough daily solar in the Winter months to keep your house warm. You'll still need things like a wood fireplace or some wonky wind-setup to stay warm without relying on PG&E as your primary source when Solar isn't generating enough.