Thank you for your answers.
It is a very difficult situation for us. We asked 4 experts and three of them clearly tend towards gas + solar.
Only one says that gas + solar is certainly safer and cheaper at the beginning, but in the long run, an air-water heat pump might be better.
However, since we have to make our decision by the weekend (foundations and the base slab will be built next week and the pipes or connections have to be laid for this), we are already afraid of making the wrong decision with the air-water heat pump + photovoltaics.
Should we give in and follow the "expert opinion" or go through with the air-water heat pump?
I have now read through the pages here, but I am still not sure what is best, because you never get this answer so generally.
A small addition: we will use a wood stove because we get the wood cheaply and thus significantly relieve the heating, since we only heat rooms (bathrooms and later the children's rooms) and then mostly use the stove for the living room and open kitchen.