Tally Whacker
Not another Mike
As to is it worth the $10k savings - YES! In the 1st 10 years failures are extremely rare. IF you have one, software will tell you exactly where the issue is with a reasonable chance you can repair this plug-and-play system yourself. If not $10k pays for a butt load of service calls!
In our nine years of solar ownership, we've had two service calls. In one case, an inverter failed. In the other, a connection had come loose. If we'd paid for the service calls (they were free, since we'd gotten the service contract) it would have cost us, what, a couple hundred bucks maybe?