For what it's worth, our panels were only cost effective due to state (we're in Massachusetts) and Federal tax credits, plus selling the Solar Renewable Energy Credits (SRECs). If any of those are available to you it might be worthwhile but as you laid it out No, not a good idea.
I priced them out for our place.
It was going to require a bank of panels approx. 70' long x 10' tall, at a cost of roughly $70,000. With the Federal tax credits and selling the credits, payoff was 20-25 years.
Just couldn't see dropping $70K when my monthly bill is only $250-300.
Other issues included:
* How long were panels going to last?
* How long would converter last?
* Did not include a battery bank, so still had to purchase power when solar didn't operate.
We have pretty cheap coal power here.
Would like to go green with something like this, but they need to get the cost of the install down before this is going to make economic sense.