In Florida you pay your bill monthly but they reconcile your account at the end of the year. They add up all the energy you consumed and all the energy you produced. If you consumed more power than you produced you pay the retail rate for the difference. If you produced more power than you consumed, they pay you the miserable wholesale rate. There are no special time of use rates. I want my consumption and production to balance at the end of the year.
That is a very generous systems (as was CA NEM 1.0 & 2.0). With no TOU consumption rates, even easier/better for you (smaller system required to net out your annual kWh consumption)
BUT, as I mentioned previously, do NOT be surprised when your rate plans change... see other countries with silly policies that drive companies (in general, utilities for sake of this discussion) into the ground... That rate plan is shifting significant costs onto ever shrinking non-solar consumer base... and is not economically sustainable for multiple reasons (nothing to do with 'equity'). period. something will have to give.. and like most things in life, the longer the resistance to a required adjustment, the harder (costlier) the change/shift becomes.
this means, you can take a look at your annual kWh consumed, and plan for a system that produces that much, approximately. done.. easy peasy...
you wont' ever get exact, as no one can forecast the exact amount of sun you'll get next year, or the year after, etc. It will be your judgment call on expected kWh consumption as to whether to shoot to over-size the system or not
BUT, realize that net metering scheme will change (somehow) during your systems life expectancy/ tariff agreement timeframe. just be prepared for it.
One strategy would be to target your existing kWh... and then, typically, new tariff plans are announced in advance, with a time period to make adjustments before the new rules go in effect. That gives you time to get experience with your system, and then if you find you need more panels, you can add them just before new net metering goes into effect, get re-tariffed but no impact as still same plan as you have now, and be on your merry way (with an extended tariff timeframe) ... just a thought
in which case, do your mounting, panel layout, wiring, etc to make adding panels easier when the time comes
.. dang, that's a lot of kWh you are consuming annually .. As you've read in this thread already, the best ROI you are likely to get is reducing kWh consumption (more efficient appliances, insulation, etc typically create better return than trying to offset consumption with additional PV panel purchase)... in your case, spending $20K (or whatever) now on PV install, then optimizing consumption as makes sense?? Which means, some circuit level consumption monitoring/tracking likely to be a worthwhile invests (not a SPAN panel, or anything that expensive. I'm not a fan of Emporia Vue's cloud model, but something like that will assist in targeting the most band-for-your buck)