We are in San Diego in about the same size house as you with a sloped roof facing due south. We just installed a 19 panel system. I'm still waiting for the installers to send us the app that shows usage, but our bills have been $16/month since we put the system in. $16 is what the power company charges for maintaining the grid, so our consumption is effectively at zero. The way SDGE does it is they keep track of how much you push back to them and then at the end of the year they settle up.
We don't have AC (don't need it, we are about 1.5 miles from the ocean on top of a hill and get reliable sea breezes in the afternoons). Running the dishwasher, all 5 ceiling fans, the clothes washer, and the clothes dryer, at mid day today, I checked the meter and it showed around -1.5 which would be pushing back to the grid. I've checked on days when we weren't doing anything other than everybody's computers and we've been pushing back as much as 6.5. We deliberately got an oversized system with the idea that until we can save up for a battery system, we can generate credits that will hopefully offset the wife's car charging at night in the event she is ever allowed to go back to the office instead of working from home.
We will eventually get the battery. We had a regional power outage several years back when some numbskull in Arizona flipped the wrong switch during some routine maintenance and knocked out power to about 3 million people. Considering it took the 48 hours to get that sorted out, the fact that our local utility likes to roll the dice with keeping the areas around their equipment free from highly flammable stuff during fire season, and the always fun to think about threat of earthquakes, a little backup seems like a good idea.
Short answer: I highly recommend it.