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What is the reasons one would or would not get a powerwall?

I was one the phone with Tesla and they quoted me a ballpark of:
  • $34,000 - panels installed only
  • $46,000 - panels + 1 powerwall
  • $53,000 - panels + 2 powerwalls
When I asked what the advantages of the powerwall are, the rep list backup power and shifting my usage until the evening. Our power is pretty expensive here in Northern California, 0.24/KW off peak winter (higher in summer). So I guess the powerwall would help there. Also, the net metering is pretty bad at $0.03/KW.

We also drive a Model X and do charge at home, but only drive 5,000 or less miles per year. (Work from Home)

How are others figuring out what makes financial sense?

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