NEM is something to strive for, not to avoid.
For free (or maybe $10/month), an unlimited capacity 100% efficient battery with zero self-discharge (except once per year at true-up.)
Without NEM, consider zero-export, and a battery inverter like SBS supports that by sucking down excess and then peak-shaving. Maybe other battery inverters with CT could do similar.
My equipment (Sunny Island) unfortunately doesn't seem to have zero-export (at the meter) or peak shaving in its functions.