As you allude to, our water in WA is notably soft, maybe that helps? I mean it's full of iron but that mostly just seems to cause staining not clogging.
That said, a heat pump running at 4:1 COP coupled to 20% efficient solar panels gets you right back to the same efficiency as solar thermal, with a lot more flexibility.
I'd rather run both in parallel, and I do, as do most of the people here abouts.
No single point of failure, sun heats the water directly and provides power, with a breakout box that accepts power in from the grid (if required), exports excess for points, hopefully that gets better over time, and accepts a local generator input if the PV panels are offline for some reason when there's a local grid power outage.
This is pretty good for now, there's loose neighbourhood discussion about perhaps getting a local area battery in a sea container that can buffer ~200 standard homes to further secure the town's energy stability.
Flexibility, in rural settings, is about having options not a single point of failure | dependency.
Eg: Way up the hill it's good to have PV panels on the bore pumps and better to have these independant of the house circuits with cables in place to route power "in case" .. along with option to use a generator if needed.
That said, a heat pump running at 4:1 COP coupled to 20% efficient solar panels gets you right back to the same efficiency as solar thermal, with a lot more flexibility.