I think it already makes sense in California (given the amount of sun we get).
A Tesla solar install of 8 kW solar production + 2 PowerWalls (27 kWh capacity) has a loan payment of $188/month, which is probably lower than what your cost would be from the utility company for an equivalent "level of service".
The only tricky part is to figure out the answers to "what size panels + storage do I need so that, given elements (weather mostly), the probability of my storage being depleted any point during the day is less than X%".
Solar companies probably already know the answer to this given the data they already have, but the other part of the equation is changes to the owner's consumption (buying an EV? new child on the way? changing your range/dryer/heaters from gas to electric? etc)
That's the real pain point (it can be mitigated with a generator, but that gets complicated), which leads to a certain amount of oversizing, and as a consequence, waste (since you can't feed it back to the grid).
Also the occasional failure in your own infrastructure could lead to blackouts that could be more frequent than if you were tied to the grid (Mean Time To Repair is higher with your own infrastructure for obvious reasons), although I have to admit that the grid hasn't been very good in that respect. A solar system is generally maintenance free, but failures do happen.
Still, I think it's worth it (that's why I took the plunge a few years ago).