Does it actually make sense financially vs investing in something else?
I mean, if your goal is to absolutely maximize the number in your bank account, no. But then there are other things you could be doing too -- you can do the math and cover all your nutritional needs for under $1 a day, by eating mostly potatoes. But most people prefer to spend 20x that much and have food that tastes decent. And a handful of people will spend 30-40x that to have really nice food.
If you think about money as a tool to maximize your "joy", then whether the Solar Roof is worth it completely depends on your preferences and your financial situation. Most people are fine with black panels; but if you have the money and like the look of the tiles, why not?
Not really, no.
No it doesn’t, but style never makes financial sense.