As an owner, I have found if you are looking to make money on the investment of solar panels, you won't find it. Yes, you can make some money given some conditions, such as how much sun, counting on the fact your electric utility will go up in cost per unit, and more sunny days than not. I would equate it to buying a more efficient car. You won't "make" money on it, it just won't use as much as the other, and your overall monthly out of pocket is a little lower.
The loan I took to pay for the non-subsidized portion is about the same as my lowest months' worth of electricity, so I am at about even on those months. I would imagine, if I don't change my habits for summertime from pre-panels behavior, the panels will produce much more than I consume, so I might make some money there. My main reason for doing it was to try to take some strain off an aging infrastructure, not so much to make money. From what I hear, many people's habits change and after they install solar, they then leave the AC on much lower or longer than they did before.
There are some residuals that might tilt it more in my favor, such as the electric costs going up (my area just approved another hike in the fees, so it will be 10% more than what it was when I bought my house), and perhaps people will be willing to pay more for my house when it comes time to sell. I doubt it though, as I know if I really liked the house, I really liked it, regardless of the other amenities. I would think it is like a pool in that regard. It costs money to install it, but it won't really affect your selling price that much.
So back to if panels are worth it for you, it will just depend on why you are doing it. If it is to make money, you are probably better off putting into a traditional retirement or investment fund. As for my own reasons, it was really to take some strain off my aging infrastructure in my area, at no real cost or effort on my part.
In regards to batteries, I vote they are not really worth it. They add 10's of thousands to the project, you have to have them replaced twice in the life of your panels, and you lose space to rows of batteries. For having it off the grid like a giant UPS, yes, you can protect a lot of gear from damage since it will protect the whole house from surges, brownouts, or other electric instability. But for 10 grand, what can you not replace in case of these rare situations. In the last decade, I can only think of three times there were black outs, one because of rolling blackouts, once because someone hit a transformer, and the last because a kid fried himself jumping over the barbwire and touching the electrical gear.
I also hear of the nay sayers about the subsidies, and your traditional power plants are government subsidized in order to be built too from both county and state funding sources, so the comparison isn't that effective.