True about the life span of the panels and batteries, but I would counter by saying technology should be dramatically better in 20-25 years...
I could be wrong but I think the highest number of watts in the top of the line panel is 400, if in 20-25 years it’s 800 watts at the same price or lower, then it would make sense to upgrade, same goes for a battery system.....
I will probably go with a NG powered whole house generator with propane backup.
I have NG at the house and propane is easily available
The systems can be set to start themselves up periodically to run a self-check, so ensuring that they do not deteriorate from being idle.
The cost of the units has come down over that past few years and is I think considerably more affordable than a solar panel system. Also the foot print of a unit is much smaller.