Wondering if this Solar quote is good in Texas

Got 2 quotes one is for 62k for 30 panels but looking at this new quote, I feel the first one was a rip off.

Option A:

Lumio (used to be called Deca)

30 panels of qcell 400w for a system of 12kw

Total Loan 64k , tax credit of $16k which ends up being $46k

Option B: pegenergy

6.4 KW

16 panels of REC solar REC400AA pure black, Inverters Enphase Energy 80%

Total Loan: $22,784 without incentives (with incentive $16,860)

Monthly payment of $99, 25 years 1.99%

I’m leaning on getting Option B, but if I do, should I go for 100% offset?

That would cost me ~31k after tax credit ~27k, so around a 10k difference between 80% and 100% offset.

The salesman told me that 80% is recommended since the buy back is a lot lower.

And would it be better to finance at a low rate, or pay it off with cash.

Any help would be recommended.