Solar Thermal is an excellent technology that works really well in all climates... IF you use the appropriate technology for the intended use. Three main types of water heating systems.
Solar Pool Heating: Uses what is called an unglazed collector, simply meaning there's no glass or frame around the black colored absorber. Yes, the easiest lowest cost and most efficient solar system. At low delta T (temperature difference between pool temp and rooftop temp at the collector), a plastic solar pool collector can reach over 80% efficiency. Even in the Seattle area, a pool system pays for itself in 3-5 years when installed by a professional company (not self installed which would be much quicker.) Max temp in practical use is about 105-110F. NO special overheating protection required, drains at night or when off, thereby also serving as freeze protection since there's no water left to freeze pipes. A "Drainback" system that drains by gravity when turned off. Haven't needed any backup (gas) pool heating the last 9 years for summer use in Seattle.
Flat Plate Glazed collector: Been around for probably 50 years, typically copper tubing inside a frame with glass (Glazing), insulation on sides and bottom, and the copper tubing is painted black or dark blue to absorb the most heat. Most commonly used around the US and elsewhere for a long time. Durable, can reach working temperatures over 170F. Needs antifreeze/over heating protection in most climates (propylene glycol, a non-toxic heat transfer fluid used in Sierra Peak's non-toxic antifreeze). Various ways to design system. Good for climates that don't go below freezing because with that big plate of glass on the top, heat loss is a big problem. Sizes range from 3'x5', to most common 4'x8' to larger commercial sized ones.
Evacuated Tube collector system: Used to be 3x more expensive than flatplate glazed systems, but now about the same cost. Can reach temps over 212F, works great in sub-zero temps due to the fact it's built like a thermos bottle (vacuum). I have this kind of system for my domestic hot water. Can be used for process heat like breweries that need a lot of hot water (147F ???). This is USUALLY a glycol protected system too, but mine is a drainback system that simply uses water (but not the drinking water) as the heat transfer fluid.
A good solar thermal designer can work with you to determine exactly what will work best for your needs, your climate, etc. You get the 30% federal tax credit, it's sales tax free in WA, and is a great way to offset your water heating from gas/electric powered systems.
Biggest savings for those who use a lot of hot water. Since you can't spin your gas or electric meter backwards with excess hot water, unused hot water is just 'wasted'. So, for those who only spend $10/month on heating your water the reason to go solar thermal will not be 'economic', but simply because you want to be a part of the solution ... like by driving an EV.
My self-installed system in Seattle paid for itself after about 7 years, and we've never ever ever run out of hot water even when extended family was visiting and everyone was in and out of the pool and shower all day long.
Expecting to do much radiant heating with with solar in the winter is very problematic in most places. The highest need for heat, and the fewest hours of usable sunlight per day. You need the most heat at night... precisely when there's no sunlight to replenish the system. I've done multiple systems though that were oversized for winter heat collection, and used excess heat for domestic hot water, and an in-ground pool during the summer when the house heating load was low.