If you had $5000 that you wanted to use to fight climate change, and you wanted to have it have a bigger multiplying effect than your own personal consumption (install heat pumps, get electric car, etc.), where would you put that, given that most carbon credits seem to be scams? That is, what's the least-scammy carbon credit, and/or place of concrete change? Places I donate to, but wonder how much the effect of each…
Buy some land in a cheap rural place and fill it with fruit trees and contribute that towards the community each year. That will sequester far more carbon and help the environment more than contributing funds towards these sorts of programmes - and you will likely build up some immovable assets over time.
I'm not saying solar is optimized, versus say competent lobbying or something smarter, but at least it directly addresses long term climate issues and has a clear causal effect not just on personal consumption but unit price also (and thus others' future energy purchases as consequence).