New solar installation generates 50% of the capability

Hi guys, I just had 10.25kW solar system installed with REC panels and a 13.5kWh Tesla powerwall 3. The final utility and city inspection went well and we are now waiting for permission to operate (PTO). We live in Bay area for context and have an EV. Our usual consumption throughout the day is upto 0.5kW only. So we tried to charge the EV during peak time of sunshine because that’s the biggest load that we can try to check the amount of solar generation. Now the thing is that the solar generation peaks at 50-60% of total system’s capability no matter if the load is 8kW. I feel this isn’t worth the price we have paid for whole house backup. And right now we are not running any ac or heater since weather is nice but its going to be difficult when we do so. I understand that weather affects the generation but I am talking about full sun directly on the panels. I also saw on my Tesla app that the solar generation may be reduced before PTO to avoid export but do you think if my load itself is 8kW then it should have been reduced because of it. Please let me know if there is something wrong or I am unnecessarily concerned about it.