You opinion is not selfish (I'm selfishly taking advantage of low solar cell costs and decent ROI). You are however, quite uninformed about the details. Go ask on /r/solar or some other forums or just ask friends who've installed - most are just silently soaking up ROI.

Three things to keep in mind: * I would definitely install after replacing your roof unless it's like just < 5yr old. * Most solar loans, PPA or leases have significantly bad financial terms so I recommend people to avoid them. * Make sure your utility has some kind of net-metering or you will have to install batteries to make it cost effective.