9-11 year payback isn't bad based on the projections. You could probably goose it a bit with inflation of electrical prices (depends on how the electrical policies change and what they pass through). I'll also add theres some O&M coming down the line. Inverters @ year 10, small maintenance and Im assuming you re-did your roof before you installed. Anyone putting solar up make sure you do it at the same time as a roof…
You really need to gamble on odds of replacing equipment being very low for it to make sense. And in practice most people I anecdotally know that run it, after 5-7 years have already done additional purchases. The payback time keeps getting pushed back to the point that when payback will happen your panel will be worthless in efficiency compared to new ones. At industrial / commercial scale it makes sense, but humans like to move houses, and do stuff in the houses and that messes with the payback plans at the individual level.
So either I was in the wrong countries or most people just gamble on the equipment lifetime, but for that I'd rather buy SPY calls, less drama.