I am not an expert on Silicon Valley power, but your description of their payback being better than PGE doesn't match my understanding. NEM 3.0 is a California level thing, not a PGE thing.I’m not getting solar for blackout. I’m with Silicon Valley power not pge. As far as I know, they have generous net metering. The meter runs backward if you produce more than you used. At the end of the year, you get a summary of total used vs total produced .. its defeat the purpose of battery ( besides backup for blackout).
From a quick search online I believe there may be some different ways SV handles payback if you produce more than you used for a whole year, but I don't think that's normal and it appears to have various asterisks on it.
I'd double check things, because y understanding with NEM 3.0 you're basically only getting a useful return on investment if you use almost everything you produce, either directly or via your battery. Sending to the grid is cost ineffective.