Sounds exhausting. My electrical bill is about $100/month. Doesn't sound like it's worth a major project to decrease. Your mileage may differ of course.

Mine was north of $500 last month :( It starts looking like a battery + a DIY PV array installation just to power the air conditioning alone would pay for itself in one summer.

Of course, it depends where you live. I don't even have AC and don't have electric heat in the winter. So aside from, possibly, new construction, spending a lot of effort/money on PV/batteries/etc. doesn't make a lot of sense.

It will be $200 in few years. Could be 0.

It will absolutely not be zero once you consider costs, effort, future obligations, etc. But, by all means, do what makes sense for you.

It can be if you over-provision, but I agree, 0 isn’t the sweet spot, especially if you have bad credit.