If it covers 95% of your roof................what are the repercussions when your roof needs to be replaced?
The panels have to come off, the roof is replaced, and after the roof is replaced the panels go back on.
The plus side is the roof will likely last longer because the panels take the brunt of the wear.
If possible, I would start with a new roof, ideally a standing seam metal roof (the panels clamp to the vertical seams)
There may be some reduction in cooling costs as well. There’s an air gap under the panels and reduced heating of the roof surface under the panels.
In systems that don’t have storage capability, there’s no battery bank to maintain but the downside is during a mains power outage: no sun = no power.
In sunny areas that seldom experience power outages, I think it’s a win-win.
Low up-front cost, tax credits, little or no maintenance, reduced power costs over the life of the system. In places where you want to be a little more self-sufficient, I would look into adding some storage capability. Batteries will add significantly to the cost and complexity of the system but allow more self-sufficiency during a long-term outage.