The same problems apply to evs and yet people seem to buy those too. Maybe most folks end up getting them second hand which is not an option for heat pump.
Solar + heat pump will take me 10+ years to come out financially ahead (if not longer) but if you're invested for the long term it does come out ahead (even factoring in opportunity cost). The comfort level is also dramatically better in my house due to more even temperature, so I would argue in many situations it can be worth a premium. I thought for sure I was going to need ductless per room to get this level of comfort but it turned out to not be true. If you didn't have ac before, it's also nice to have the option to use it on hot days.
Solar + heat pump will take me 10+ years to come out financially ahead (if not longer) but if you're invested for the long term it does come out ahead (even factoring in opportunity cost). The comfort level is also dramatically better in my house due to more even temperature, so I would argue in many situations it can be worth a premium. I thought for sure I was going to need ductless per room to get this level of comfort but it turned out to not be true. If you didn't have ac before, it's also nice to have the option to use it on hot days.