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Solar panel costing.xls

I have also been investigating purchasing a solar p.v. panels to free my house from the national grid. Using my electricity bill and using information on
www.windandsun.co.uk/System_sizing_grid_connect.htm
I calculated that I could totally replace my electricity supply with 17 solar panel units each covering 8sqm. The cost is a whopping £102000 about ($204000). Ignoring interest that’s a 76 year payback period and the system only lasts 25 years.
The electricity produced by rooftop wind turbines in urban areas is so small they may do more harm to the environment than good, a report has confirmed. Energy savings figures from roof mounted urban wind turbines have been revised downwards. The 18-month study by the Carbon Trust and UK Met Office showed that installing turbines on the roofs of many homes does not generate enough green electricity to even counter the carbon emissions created by their production, installation and operation.
Does any green initiative actually stack up on paper or is simply a costly gesture?