Correct, it does assume you took that power usage into consideration

Not everyone knows it’s worth it to do it. Fully understand where you are coming from, it’s not viable in some countries right now.

$20 of xmr is no where near $20 of electricity in the states, and having solar helps that number even more.

Mining on a cpu is much less taxing than a gpu, and if you do it intermittently and do not run all cores there’s no additional strain on hardware.

Mining it for two or three weeks usually pays my 3 month plan at airvpn, with a modern AMD processor, not sure how the modern intel processors mine. It’s probably the best way to anonymously obtain xmr. Xmrig has good documentation and is fairly easy to set up. Cake wallet has a way to purchase crypto with a cc, but not xmr directly, would have to purchase litecoin then swap to xmr in the app.