Solar Proposals Chicagoland Area. Thoughts?

I purchased my house about a year ago, and start looking to install solar panels. I received 2 quotes (Sun Badger #1, GNRE #2) Price wise, it seems a bit more than I thought based on my calculation (Pic 2). Here are some of the assumptions.

I am expected to stay in this house for the next 12-16 years (at least my kid move to college)

My house is roughly 10 years old, so I expect a roof replacement will occur in the next 10-15 years. Cost to take down and reinstall panels was told about $200 per panel in today’s price.

Both proposal are cash price, loan price just doesn’t make any financial sense at all.

Proposal 1 SunBadger: $50,088 take about 15 year to break even. 37 panels, enpahse IQ8+

Proposal 2 GNRE: $42,687 take about 13 year to break even. 31 Rec 405 panels, Solar Edge Inverter/Optimizers.

Assuming electrical rate increase 4% annually and panel degradation at .25% annually.

I am still trying to get the answer from the vendor why I need 4x SolarEdge Inverters, anyone can comment about this?

Also based on the panel layouts, is microinverters install cost that much extra over Solar Edge inverter with optimizer? Is the price premium still worth to go with microinverter?

Also I did ask for a quote from SunRun (yes I know…), but they did the inspection and come back with my roof layout is just not efficient as far as production efficiency goes. This makes me a bit concern of the 2 proposals I received and about the Year 1 Production. As you see in the pictures of the 2 proposals, only 9-10 panels are south facing, all others are east or west facing.

Anything else missing or wrong in my calculation?

I have to say the current ComEd rate ($0.13-$0.15 kWh) makes it very difficult to justify Solar install if roof replacement is in the future horizon but not during the initial install.

I really appreciate if someone can review and comment and say I am not crazy.