What is wrong with the calculation:
Both heating systems, separately, have: acquisition costs, ongoing maintenance costs, ongoing operating costs, and a lifespan.
One can establish and compare an overall cost calculation for these – independent of a photovoltaic system.
The lower purchase price of the window heating is already taken into account within the acquisition costs.
If the system does not pass this comparison, it did not pass it.
I cannot and should not include a photovoltaic system in this calculation, and if I do, then I should include the photovoltaic system for BOTH systems – both the costs and the savings effects. Or for NEITHER system.
Creating a comparison between a heat pump system VS a window heating system with photovoltaics is gaslighting, naive calculation, marketing nonsense, call it what you want. In any case, the comparison is flawed.
Okay – first of all -> the windows have NO maintenance costs. And actually nothing can really break because nothing moves. But whatever.
Comparisons of heating systems – or better said – heat generators including distribution can be made. Every direct electric heater loses here. I have already written this several times and it is clear to everyone WITHOUT further calculations. COP 0.95 versus / COP 4 or 5. Does the comparison make sense? For you and others yes, and for people who want to build new and are interested in a heating system, clearly not.
The price makes the difference. If you get a heat pump for 40,000 €, then you can still use the rest of the money for our glass panels and the groundwater heat pump (BWWP), and afford a photovoltaic system. And this photovoltaic system then reduces your household electricity costs.
Of course, you can compare both SYSTEMS and add a photovoltaic system to the heat pump – then please also add the same system on top for the other system. Only then is it a fair comparison.
And why is THAT comparison not naive calculation? It is also strange that every customer (and the energy consultants and professors) immediately understand me. They do not say "... you can’t calculate it like that ...".
Now just imagine you want to build new and money is tight. But you need a heating system. Oil and gas are ruled out. The heat pump including underfloor heating with acquisition costs of 40,000 € remains. Then some nutcase comes along and says: For that money, you get a direct electric heater from us and with the difference, you can still afford a BWWP and a large photovoltaic system.
What is more economical?
The heat pump saves approx. 2,000 kWh annually in a new-built house with approx. 3,000 kWh HWB. That makes 40,000 kWh in 20 years. The user only has to buy 1,000 kWh per year (see your example). That is really good.
With direct electric heating, the user has to buy 3,000 kWh per year and the difference is then 100,000 kWh in 20 years.
That is rather bad. But the photovoltaic system generates a total of 240,000 kWh of free electricity in that period. And is therefore more economical.
If you now add the photovoltaic system you want for the heat pump also to the photovoltaic system of the direct electric heating, you can also compare them again, but the difference will not change.
Or simply:
The customer only has 40,000 € left and wants to pay as little as possible annually for all his energy. Which system is better?