Solar panels and future no standing charge tariffs

Hi guys,

I'm not sure if this is the best place to ask but I'm struggling to figure this out by myself.

I am looking at having solar panels + battery installed. I have the option of paying for these outright or through an interst free loan with monthly payments of ~£150. I would rather finance these as the cost would eat away a large chunk of savings.

I'm single and live alone, I work shifts so am home during odd/off peak hours so could potentially manage import/exporting on a flexible tariff to my benefit quite easily.

I currently live in a 2 bed terrace with a south facing pitched roof.

Annual usage - 3800kWh (I have rounded up)

Current tariff - Octopus 12m fixed until June 25

22.44p/kWh 60.66p/day

This costs me roughly £90 a month all in including standing charge.

Looking at Octopus' online calculator, I realise these are very rough numbers and they are not the cheapest, they have suggested a 10 panel setup with a 5kWh battery at a cost of ~£10,000. Does this sound overkill, and are there any reliable online resources that could help me figure out wether this could be a worthwhile investment?

I'm also wondering if any future zero standing charge tariffs may help this make more sense by offsetting the price of a higher unit cost. Are there any plans for zero standing charge smart tariffs?

Appreciate any insight or help.