I've always wondered if its possible to just buy and install the panels yourself.
Permitting was new for me and it was tough to navigate alone, but definitely possible.
If you don't have utility approval to connect, you won't get net metering benefits, although you could offset active use (and if you had battery storage, I guess you could make it work). At least my meter doesn't run backwards, it has a count for energy in and a count for energy out. If we didn't have utility approval and had significant energy out, I'm guessing there would be questions. We have a fairly generous tarrif, and our system doesn't make sense without utility approval --- we generate on one meter and use on another meter and rely on meter aggrigation for the generation and use to offset, and they will offset 1 for 1, once the account gets fully set up.
Our utility is still offering 1 for 1 net metering for new installs (accumulated credit expires at the end of March every year) and have not proposed a new rate schedule. They say that existing connected systems will be able to remain on the current schedule indefinitely. That's the best I can do for the future at this point.
If it does change for us in a negative way, I'll have to bite the bullet and buy an electric car and charge when the sun is up. :P Hopefully negative changes happen later rather than sooner.