Your numbers are way too high. I live in the very expensive San Francisco Bay Area and my system 6kW before federal tax credits was 16k to install in 2021. After credits it was < $12k. I have a friend in Tucson AZ who just paid $12K for a 4kW system with no subsidies.

I did not add a battery because at the time it would have doubled the price. Also, because I have net metering the battery never pays itself off.