For sure you need to do the sums, though increasing price of electricity is obviously an unknown and being able to power your essential house loads (light, computer, fridge, freezer, kettle and, of course, the coffee machine) during a power outage is, to quote Mastercard, "priceless".
Possibly, but not at that price. We have two hybrid inverters, price approx. £900 each. Like any complex electronic equipment, they may fail, but equally, I am aware of many inverters that were installed when solar first became popular around 2010 that are still running fine. It is not a given that they will fail at regular intervals - though of course, you could be unlucky and have one fail after 5 years or so.
Degrade, yes. Significantly degrade, no. Typical modern mono-crystalline panels will have a first year degradation of about 1%, with 0.5% degradation per subsequent year. Hence will still generate approx. 85% of their output after 30 years.
Our ROI will be around 4.5 years prior to getting an EV - hopefully even less when we can use spare production to charge the car.