Here I completely disagree. If the price is right, the photovoltaic system installed at the same time makes maximum sense and is exactly the opposite of a "nice gimmick," but rather the only trade that pays for itself.
You’re opening several issues at once... If the price is right, it always works ;) But the price is currently not as low as it could be because there are bottlenecks. You pay a surcharge without having any benefit.
If you don’t have the cash for the house, you have to finance. So you have to borrow an additional 15-20,000 EUR currently for 10, 15 kWp, at 3%. The additional requirement also pushes you into a higher interest bracket...
Installed at the same time usually means through the general contractor. He’s not stupid and will easily charge you a 20 or 30% markup...
And then you have 15 kWp, in summer 1,500 kWh/month... and you can’t use it... in winter you generate only about 200 kWh/month and buy expensive electricity
I mean... do it if you enjoy it. But you won’t save much money with it. If you’re unlucky and you get hail heavily... well, let’s leave it at that.
In the long run, it will bring you a few hundred EUR per year. For all the hassle?