So got a couple more quotes and it seems based on my anticipated usage, a 4kW system will be great offsetting 90-95% of my electricity bill in a worst case scenario. Cash price on the system with Panasonic panels is around $16.3k before any incentive. I think I'm going to go for it, I just don't like how finance companies hit you with a finance charge. This same amount will be financed at $111 per month for 12 years + they take my tax incentive which then equals to around $21.6k... Which would mean, if I just paid cash, I'd be 10k better off. Am I missing something...?