I have a smaller home than yours, I have no electric vehicle, and I am probably a little further north than you are, yet my experience is quite similar. About 80% of my electrical needs are supplied by rooftop solar panels, which will pay for themselves in less than ten years.
Did you spend time and/or money doing things to make your house more efficient? I did so, and to be honest I was embarrassed that I didn't do that part many years before going solar. That portion of my energy project was the most practical ROI and the simplest.