"They sell 32 panels for $4,032.00

So, in areas with best solar power, these would get about average .35 kw/h per sq meter per day."

All electrical power is not the same price. Commercial electrical power providers generally sell their power at or less than 5 cents per Kw/h. Whereas the distributors and parties that sell power "retail" or to each residential home will charge around 10 cents per kw/h.
So without government altering it's value, solar panels could be consider to be worth about 10 cents per kw/h.
This includes the cost of the solar panel, it's installation, and maintenance- and potential loss before the time of the lifetime of the panels is exceeded.

Now, you could be paying much more than 10 cents per kw/h- you could living someplace no where near a power grid, you could be penalized for using too much power per month and or at some times during the day. Or one may be so dependent on a constant source power [particularly during daylight hours] that one would need to compare to the costs in terms of having back up power supply .

But to keep it simple, 10 cent per kw/h is a fairly good yardstick.
Let's assume a 20 year warranty- so don't need to worry
about manufacturing defects- it doesn't cover baseballs hitting them, or earthquakes, or weather, fire, erosion, corrosion, bird shit. Etc.

Each panel is less than a meter sq- but for installation and maintenance you could need more than 1 sq meter per panel.
So for a round number we could assume each panel is 1 sq meter.
So you getting 32 sq meters for $4,032.00.
So, if in an area which get 7 Kw/h per day, the 32 panels
provide 224 kw/h divided by 5%, 11.2 Kw/h per day or
$1.12 of electrical energy per day. And requires 3600 days
to provide $4032.00 of electrical power worth 10 cents per
kw/h. Or just under 10 years.

{I'm not including shipping + handling. Nor installation, conversion kits, or whatever. And each panel outside measurements is 63.5 cm x 124.5 cm [sq meter is 10,000 sq cm and panel dimensions which is a bigger area than the actual solar cells is 7905.75 sq cm]- so I'm allowing more than one should actually expect- by around 25%}

Now same solar panels in area which gets 5 Kw/h per day- most of America is around this level or less.
Gives 160 kw/h divided by 5% gives 8 Kw/h per day or 80 cents per day. And requires 5040 days to provide $4032.00 of electrical power. Or 13.8 years.