Panels have warranties of over twenty years now. They pay for themselves much earlier. You probably have to replace the inverter earlier, but that’s not a huge expense. I don’t know anybody who lives in a place where it rains who cleans the panels on their roof.
Oh, okay. Does a warranty cover sweeping snow off your panels and washing them many times throughout the years? I guess if one does not value time, then solar panels could be considered "free" - but this is a bizarre sacrifice.