The only choice is what you are going to be getting for your money - you will be incurring a monthly debt with no equity and higher payments with no savings or return, if you do not go solar.
The choice is not about spending money. The choice is only about what you actually "get" in return for a continuing monthly debt. You are spending money anyway - either you invest it for more home equity and savings, or you give it away for a service provided by your local utility.
For example, if you could either lease or buy a car, making equal payments for five years, which would you do? Pay to lease or pay to own!? Then you can start keeping utility profits for your own nest egg.
EVERY DAY THE SUN RISES. . . and every day you could be saving money and enjoying the revitalizing power of sun heated water...
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