Lots of different opinions on here, but it really depends on your own personal situation.
The one thing that a PV system with monitoring can help with, is being able to constantly see how much power you are using / producing, which can help you make decisions to reduce your daily energy cost.
I was lucky enough to be in the position to recently built a highly efficiency house.
15 years of research and planing, with a lots of informed decisions being made about the thermal performance / energy required to heat and cool it. It is all electric and we have a 10kW of PV all facing North and unobstructed.
We have a Sanden heat pump for Domestic hot water and a different one for in slab hydronic heating. No aircon.
Our predicted electricity bill is going to be about $700/pa. This is for
all of our energy and our thermal comfort in the house is high.
FIT is $0.10 cents, import is about $0.21 cents and a daily charge of $1.20
We also have a mid size EV as a daily driver (About 50km per day). This can be charged only by solar as the unit knows when you have excess, or it can also be charged over night when the tariff is less if needed (Grid demand is lower), or a combination of both.
(Don't worry I still have a diesel van for windsurfing... but I much prefer to drive the EV, it so much fun!)
I believe reducing your energy needs and producing your own it is a wining combination.
Sort of like eating the veggies you have grown, drinking the beer you have brewed. There is great satisfaction in it.
You become obsessed with your excess solar and what you can use it for.
Home batteries are still evolving and I am going to wait for this to settle a bit as the payback time will be awhile at our current $700 / year power bill. I also have no need / desire to go "off grid". Although, now there are Virtual Power Plant schemes where if you buy a battery from them, they will pay you 40c/ kW for any excess power you send back to the grid during peak times.
So, is PV worth it? For me, yes I think so.
For you? You will have to study it a bit and make an informed decision on if it is worth it for you.
Or, get the builder to improve the star rating of your house with better windows / insulation, as that will be a benefit for the life of the building. Just get them to provide the cabling for the PV, then get it installed after handover when you can afford it.
It has been a really nice few days for PV down here in COVID VIC
Here you can see where the DHW finished heating at around 2pm.