Anybody using solar power at home?

[Courtesy Flush]

I mean serious solar power, as in producing all your home's electricity.

Questions:

1. How much can I expect to pay (per KW -- or for the whole system)?
2. How many years is a realistic break-even goal?
3. What incentives are out there?

• a. I know about the tax credit that expires this year
  
• b. how does Joe Six Pack sell energy credits?

4. What unexpected surprises have I not been told about?

I've been reading that we can expect much more efficient systems in five to ten years, but if the payoff on today's technology is five or six years, then there's no reason to wait (considering how much I'll pay for electricity while I'm waiting).

Here's an article about a guy selling his credits, but it still doesn't say HOW! http://www.businessweek.com/smallbiz/content/jul2006/sb20060706_167332.htm?campaign_id=search

The guy in the story spent a fortune on his system, but I have seen other stories about systems that were much cheaper, like this one...

http://www.homepower.com/files/featured/CreatingABrighterFuture.pdf