Solar Electric and/or Solar Water

[micro]

We are on grid in Hawaiian Shores and looking to install solar. We currently have gas and electric. My sense is to install electric cells and change out the hot water to electric (its close to failure) as well as the stove (when it fails).

I see all sorts of discussion about the efficiency of PV panels versus water heating panels. I guess we could install both on the roof, but it seems simpler to just put up one type.

A second question is about inverters. Our electrician recommends an inverter on every panel if some are in shade (which they may be).

All insights welcome. Mahalo!