We're in the middle of installing a 10kW ground mount system, however my background being electrical, we're doing the work ourselves so I can't comment on any contractor 'gotchas'. What I can say for those considering such a thing is that it only makes sense if your utility wants to play ball. For roof mount systems, you also have to consider all of the penetrations in your roof and the quality of the workmanship. Putting that many holes in my shingles would scare me off the idea, but the panels themselves would improve your roof life from wear/tear and UV.
Neighboring utilities here are offering rebates and incentives for installs, while the best ours will do is buy back any power produced (not a bad deal given their payback rate is higher than the consumption rate). Some utilities will only allow you to offset your usage, though you'll still pay a connection fee. Still others will credit you for all power produced in a 12 month period, but if you don't use it, you lose it at that yearly date. Word in the solar community is that these incentives are going away and established plans are being modified to discourage future solar installs. I wish I knew why.
I see the Fed tax credit was extended another 5 years, but check your state taxes to see if they extended, too. For IA the 'online' deadline is/was Dec 31 2016. I haven't checked to see if that got moved out since I should be producing power this summer.
The NEC previously had specific verbiage that would prevent an inverter from producing power if the utility power was lost. Some inverters now have an integral 120V outlet that you can plug into in such a case, but this source is only as good as a continuous supply of the sun. Also, this could be a tough sell depending on your local jurisdiction as such a source can be open to inspector interpretation.
The type of equipment needed for a grid-tie setup vs. an off-grid arrangement is apples and oranges. About all they have in common is the panels and even then, the wiring and fusing is totally different. One would never get ahead financially with the off-grid setup as battery maintenance and replacement will eat you alive. But if you had to have power and there were no other options, it's doable with several caveats. I have an 'off-grid' garage with LED lights and a modified garage door opener running off such a thing. A panel from Amazon, an ebay charge controller and a local marine battery and it's doing okay.