I'm seeing panels down to about 50 to 55c a watt, from time to time.
Me too (and cheaper if you look hard enough), that's what I used in my calculation: 320x20x.50 = $3200 aka more than I have on hand at the moment.
Being a general contractor, installation is no big deal or expense, to me.
Good for you, how does this help me? Are you volunteering to do the work for me for free? What difference does it make to me what resources you have at your disposal?
Running those panels, you should be getting 240V + not 120V at around an amp a panel. 5 amps or 6 amps at 120v for your panels is an anomaly. You should be striving to run on 240V and both legs, not one leg and a neutral.
I've largely been trying to ignore your obsession with what voltage and amps my panels run at, I assure you there's no problem, some would say yuge amps, nobody produces more amps than my panels. The point that seems to be whizzing over your head is that my entire house is running off this when it's switched on, I would like to run other things when my car charges is the point. And as a side note, I do have have a 240V inverter, just no 240V line running to my garage, but as you mentioned you're a great contractor so by your logic my problem doesn't exist.
If $3000 breaks your piggy bank, buy your electricity instead from the utilities company at off peak hours, for the best rates when recharging.
My utility doesn't distinguish between peak and off peak hours, I'll forgive you for assuming I live in California, but I don't. My main short term objective with my solar system is to offset enough of my power consumption so that I don't go over 500kWh a month, because it's billed at a higher rate after that.
IMHO 6 amps at 120v is just plain under engineered and silly.
Again, you missed the big picture here, see above.