Mmm. Now, I completely agree that heat pumps are efficient ways to extract heat and, from experience, are superb at supplying heat for a house.
But heat pumps, too, can be cantankerous. Atmospheric pumps have those fans that ice up and have to go through a defrost cycle (wasteful!); u/g heat pumps can fall prey to scaling, as well as the same kind of pipe/tube failures you mention for solar heaters. Good - in that any such failure isn’t on or through a roof; bad - in that they’re underground and hugely expensive to repair.
The virtue of solar hot water is, I believe, in that the simplicity of the system easily is modularity multipliable to provide the immense amount of calories needed to supply a swimming pool. I do know one should never use direct transfer - either pool fluids or consumable water almost always has dissolved solids that, sooner or later, will cause the panels’ tubes to become scaled (or worse, corroded), and fail. Rather, a glycol fluid of appropriate strength for one’s winter temps, passed through a high-quality plate heat exchanger, is the way to go.
And roof penetrations? These are not difficult to design properly for decades of leakproof use. We’re still using ours after thirteen years - now as conduits for PV electric lines - with zero issues. It is absolutely incumbent to use the highest quality pipe insulation on all tubing, both supply and return lines; such will assist in making negligible expansion/contraction problems as well as keeping the system efficient.