You only quoting the
possible expenses:
- maintenance fees
- broken equipment
- lightning damage
Most of the expenses you mention are covered by warranty or insurance.
You also need to look at the
definite savings:
- No load shedding
- No more Eskom price increases (10-15% in April 2021)
- Money earned from feed-in
- Reduction in CO2
R200k-R300K is a lot of money and many don't have access to that much, but if you do it makes a good business case.
Solar isn't a a silver bullet, and not everyone can afford the capital outlay and not everyone has the space/roof and not everyone is the "average" consumer.
But if you have the money, the space/roof, then the "average" consumer should see savings in ~7-8 years.