If you’re being paid $210/KWh for SRECs, that is quite a subsidy. Since you can afford $38k, you are able get a subsidy for the solar investment. Your less fortunate/wealthy neighbors, who don’t have the up front, get to pay for that subsidy. No free lunch, system wide. (This is also my complaint about subsidies for electric vehicles: financial benefits go mostly to the high-earners/wealthy)
Price of energy can be seen at PJM’s web site. Running in the high teens; so you can calculate the actual subsidy.
https://pjm.com/
What are you paying for grid connection and non-sunny power (night, cloudy days)?
You might look at your pool equipment to see if a timer for the pump would make sense, assuming you don’t already have one. Most pools need 8-12 hours of filtering/day, and the pump is a big electric user, so it can make sense to do this. Otherwise, I don’t understand your bill being so high consistently.