It’s possible the solar panels and batteries system might pay for itself after that for a few years. But consider that the amount of electricity coming from panels declines every year, which is why most people say the lifetime of a system should be considered twenty or twenty-five years. Plus, if Helen and I decide to move to a different house before then we are unlikely to recoup our investment. Why would we put money into a speculative investment on solar panels and batteries rather than our retirement savings?
Panel's real lifespan is around 10 years, after that you need to replace them if you want actual power production.