I am no expert at this, but I believe that I am way ahead with my solar and it is only a 12-panel system (about 3kw). But I have had it for >10 years. What most people don't do is to analyze their power bills or use "properly".
To further understand/analyze my use, I also recently had a small device called a PowerPal fitted to my meter and it allows me to monitor the use continuously on an App on my phone via Bluetooth. You can also have it work on a computer but I haven't done that yet. But this device and app don't tell you what you have saved, just what has been measured by the meter, and therefore doesn't "see" the power that has been provided by the Solar. It does show hourly use charges, daily summaries, etc. By using this I can avoid using some devices during the peak charge times and move that use to off-peak which is typically daytime with max solar or after 9pm.
But after having said this the main problem that many have is in understanding the rebate that they get and how it can change over time. Over the years my rebate has fluctuated from 63c, down to 30c, then currently back up to 70 odd cents. So take care to not get stuck with a low rebate for a long period of time.
Rob P.