Yes the net metering works good until you become a net generator. As a net generator you can get paid at the low wholesale interchange rates paid to power plants. Payment of 2 to 5 cents per kWh may not provide an adequate return for a home system install. The real return comes from eliminating the top 80% of your usage.
If you end up as a net generator it would be a good idea to consider moving gas appliances to electric such as heat pump for furnace and water heat, electric cook top, oven etc. Not to mention getting an electric vehicle.
Many installers do tend to oversize the project for their own benefit. Still good for the grid. Just a lower rate of return.
