The cynic in me would suggest that the 'grant' system allows suppliers to move the price upward.
If they were selling direct in a market where they couldn't offer a grant, the cost would be a lot less.
Example (fictive figures) £8k with a £3k grant or ONLY £5k to pay. Direct £4k.
When I did some bare bones calcs for solar heating, as a DIY job I could have sorted the twin hw tank, 6-8 sq m of panels, the pump and control gear / valves for 30% of the suppliers offering grants costs.
Frankly the 15 year pay back for HW wasn't worth taking.
Even having a easy install flat South facing roof space (ideal) didn't sell the idea to myself.
Never considered solar electric due to previous low cost of use- now the electric / gas bills are running at £900 a year the figures look better, but still the payback period when you add in routine service and component failures over 10 years, isn't likely to be good.
If you can sell back excess then that might offset cost, I doubt you'd earn much.
A bit like the Prius car, it's lifetime carbon footprint is actually far higher than a decent eco petrol / diesel engine. All those batteries cost to build, use and recycle. For a 4 bed house, assuming 8 hours a day 365 of solar energy- there's 16 hours a day stored energy needed.
Out of all the green ideas, the ground source heat pump / exchangers seem to be the best thing at the moment.