I will definitely not install an air-water heat pump. Why should I do that if a ground-source heat pump also works?
I might call the building authority on Monday and ask for an exemption to forgo solar.
Whether you have to mount it on a frame because it "must" be done or because it is more effective, I need to inquire about that. Mounting on a frame is out of the question. Especially since the installer also says that when it storms, these things often come loose from their anchors.
I suspect that even if unmounted flat-plate collectors were possible, the whole thing would still be less economical than using the more expensive tube collectors. I think it will come down to the tube collector solution. It looks like what I initially thought. Lying flat on the roof. Interesting how much more expensive they are.