.12/kWh is great. Any time of use plan available? If not, that is a good overall rate. Sounds like Ohio or WV where natural gas and coal plants kept the price down.
If you really "want" solar, pay for it. Economically, doesn't always make sense, but you have the 30% Federal ITC for it. That saves you 30% of the overall system cost. EVen a 8-module Solar PV grid-tied system "gets you solar" and you're up and running. I have in-laws who have a very expensive 8-module system which would cost today under $4,000. They paid $16,000 back in 2010. Not good. Today, you can find and install your own system yourself with companies like WholesaleSolar.com
Also, a lot of individuals have chatted about Solar on
www.solarpaneltalk.com. Whenever setting up for something new, get 3 different quotes from professionals but if you want to do it yourself, make sure you have all your ducks lined up. County permits, information from your local fire department to determine if you need to do anything special for fire safety, follow all NEC rules, etc. Going it alone works - but only if you are skilled or have local contractors who are also skilled.
I live in a state with .15/kWh, no TOU rates. I have solar and it's at least a 10-year ROI. Also, be aware that in many cases, inverters need to be replaced in the out years, sometimes in years 12-15 or soon after. They should last longer but you never know.
You should look into SolarEdge inverters as they seem to allow for power from the PV array even if the grid is down. But you need to wire-up "critical circuits" using a 2nd breaker panel.
Lots to think about - but most people don't "go solar" to save money, really. Other reasons apply. Wiring up a house for backup battery, solar PV and all that and to have enough battery capacity for a long grid outage is getting cheaper - but it "ain't cheap" even with lower priced PowerWalls. This stuff sounds cheap on the brochure, but there's always the fine print. Get a quote from a couple companies - chatting online isn't going to offer you all the details you need to make a fully qualified decision.