One should always use all available surfaces. The larger the system, the more cost-effective it becomes, since fixed costs (electrician, inverter, scaffolder) do not change significantly. If PVGIS values output below 650, it can possibly be omitted. But this only happens with roofs oriented almost exactly north, steeper than 25°. So not that often.
It is best to plan the system with the help of the photovoltaics forum and only then contact the solar installers.
Storage is currently neither ecologically nor economically sensible. (Not anytime soon)
Regarding the terrace roof: Would you have had the same concerns if instead of photovoltaics, say, roof tiles were on the roof? They do also break sometimes. ;-) So no - better leave that to the solar installer/carpenter/roofer. They will find their ways. A scaffold is "needed" by them rather rarely anyway. It is just a regulation.