You're probably right.
But this is my understanding...
My solar production every day is used on my electrical needs with overage going to the utility only if my house is using less electricity than the panels are producing . If I can use more of my solar production before the remainder is sent to the utility, I end up with a smaller credit (when overproducing) or a larger bill (when underproducing). As you say, at the end of each month the savings get shorted out.
If I charge at night, the utility will supply 100% of my needs and charge me full rate for them, and at the end of the month if I overproduce solar, they only give me 25% of it back.
If I charge during the day, the utility will supply none of it (on a sunny day), because it's coming out of my solar production, but it does mean that I'll have less electricity to sell to the utility - at 75% less than what they charge me.
But that's better than paying them the FULL price for the kilowatt and waiting for the tiny amount they return.
The savings may not be large but that's one reason I'm not buying a fancy $750 solar aware charging system.
Anyway, that's my understanding... let me know where I'm going wrong..
I've written the company who installed my solar to see what they say, I'll let you know his response...