There isn't really any maintenance cost. You fit the panels, wire them to the inverter, which you wire to a meter connected to the electricity grid, and that's it.
See above. Nobody bothers to mention it because you do just install the system and forget about it. Well, you don't forget about it really because you see the huge savings on your bills.
For solar energy to be cost effective you would have to be able to take advantage of it any time you need electricity. Now if you just wire in the panels to the inverter and then into the meter you would only get a benefit on sunny days and if you used more electricity then you were producing you would still have to rely on the power company. Sure this would probably reduce your bill a little bit but so would turning off electrical items that aren't being used at the time.
If you really want to make it cost effective you need to have a battery system in place that can store the energy you are making so it will be available at night and on days when the sun isn't brightly shining. These battery systems do require maintenance.
If you did just wire the panels in and not worry about actually storing any electricity they will still require maintenance. You have to keep them clean as the dirtier they get the less sun light actually gets thru to the cells. To get continuous optimal performance out of them they need to be adjusted to different angles at different times of the year due to the position of the sun. Now I am sure you can climb on your roof and clean them yourself and maybe even adjust them but how many people would be willing to do that as I am sure the company that you buy them from will offer to do all this for you for a small fee.
Now don't get me wrong I am not against solar energy and would love to see it used more often but I really hate to hear people talk about how easy and simple it is use but never mention the work that is involved and the other hidden cost that goes along with it.
This bring to mind my next questions.
How many solar panels do you have on your house and how much has it saved you during the year?