I got a quote from contractor , $65k for a 16.94kw pv system with 20kWh battery.
Price is unmistakably high, for what some would definitely argue is not high-end premium product
then again, neighbor quoted $3K for purchase and install of a $500-600 hot water heater (and he felt good shopping around and negotiating down to $2K... hearing that I simply replaced my hot water heater on my own)
44 panels ... roof- or ground-mounted?
However, this is a grid tie system, not hybrid, so if grid is down, system is down, even though it has battery.
They want $15k extra to upgrade the system from grid tie to hybrid. Does it really cost that much to upgrade from grid tie to hybrid?
A grid-forming hybrid Inverter won't cost anywhere near that much.... BUT, done right, there is usually a whole lot of extra wiring to do (though not enough to justify Inverter + installation = US$15K). There could be that much wiring, for example if your main load center was maxed out, and you want a service upgrade from PoCo... etc... but much of that would be driven by large PV array, not battery-back up...
Maybe if there was a bunch or circuit changes, creation of critical load panel, and more... but even then...
From what I have been researching, the magic of going from grid tie to hybrid mostly lies in having a hybrid inverter (AC coupling), is that right?
Uh, one I'm no expert in this, but no
The 'magic' is the grid-forming capability (ie allow house grid, on battery and/or solar PV production while grid is down) which has _nothing_ to do with whether AC or DC-coupled PV array (can be either)
I plan to diy my pv system, so I want to know how complicated it is to perform AC coupling
Uh, DIY with contractor quote? was that just to get a system config idea? I recommend against taking too much from that quote (interesting education, sure, but contractors pick things to resell/install that includes reasons other than what may best fit a consumer's (your) needs .. which may or may not be an issue ... like so many things... it depends).
I personally went micro-inverter / AC coupled roof-mounted PC array, as I have a chimney in middle of back roof with all panels on it, and daily shade is a consideration. But there are good arguments to be made for Micro-inverter, DC power optimizer, and bare string connections .. each has its own cost factor and Pro's & Con's. And some of latest devices long-term reliability is unknown (probably biggest impact on lifecycle ROI). I personally (possibly biased by rationalizing existing purchase?) am attracted to the reliability (risk spread) of micro-inverter based approach. But, I recognize ... it depends..
As for complications, the nice part is that by using micro-inverters on the roof (and hoping they last as long as the panels) is that once you come off the roof (I went thru attic vs ugly surface mounting along roof and side of house) that you are dealing with standard 120V 20A circuits... simple Romex (though my installer used THHN with both circuits (19x425W panels) in a single conduit even in the attic. My installer put in their own dedicated sub-panel (and my main load center was full anyway, and installer like the separation to minimize warranty issues) with both PV circuits, their monitoring system, and a circuit to main load center. Had I a newer, larger main load center, the sub-panel would have been unnecessary). The fact that it isn't complicated is a possible upside to AC coupling. DC coupling isn't harder it is just different with different risk factors.
Today, I would not consider an install without a grid-forming inverter. I don't have one as my install was 19 months ago on NEM2, and I am counting on battery tech to improve greatly and my local grid is very reliable (and I'm on a non-curtailment circuit). So I plan to get hybrid inverter and whole house battery... in a couple of years-ish