1. Care in shopping for power is irrelevant. The power is competitive or it is not.
2. Nuclear power is mostly government involved because of regulation and fear of misuse of the technology for purposes other than power generation. It also has massively inflated costs in current times due to anti nuclear activism that has made it impossible to store spent fuel despite all reasonable precautions being addressed. A better assessment of the economics of nuclear power would be looking at Russia or China where you can see they find the technology to be vastly more cost efficient due to not having to deal with the same political interference.
3. Hydroelectric dams are actually very cost efficient and break even with investment rather rapidly. The only reason you get government involvement is because you're reshaping mountains, eminent domaining entire valleys, and changing water rights through the rivers. The regulations involved with moving rivers, reshaping valleys, and voiding the deeds to entire populations is why it goes government... not because of the money.
With solar you have none of the problems of nuclear or hydro electric dams. In fact, your situation is much more comparable to coal or natural gas in that your technology isn't dangerous and doesn't need to deal with huge amounts of red tape because of zoning... So conflating your needs with that is not rational.
If you want solar, the best method is to encourage more people to put solar panels on their roofs... not fund giant solar plants. Look at all that unused roof space. In many parts of the US, solar on roofs is being discouraged... fees are being charged to people that install these on their roofs because the local utilities are losing money. Effectively, solar installers are being fined for being efficient.
The same thing should happen with wind. Rural and suburban America should have solar and wind on their own property as they see fit. The suburbs and rural areas should be able to self supply to a large extent on that basis. Urban areas should get over their irrational fears of nuclear and just accept it as the best form of energy for the cities... which is what it is and shall remain until we get something better. Solar and wind ain't it.