Alabamian here (250 miles from the coast, so hurricanes aren't a thing except for worrying about family living south of here). You're 100% correct on the lifespan of the roof being a factor in solar panels adding to the cost to replace the roof. Years ago (before I thought about solar) on my last roof replace I went with a metal roof because it cost about 15% more than a shingle roof.
Years later the metal roof removed the roof replacement scenario with solar that you described and made me more open to solar when Obama's EPA jacked up my power bills by forcing my local power utility to shut down a coal plant and replace it with natural gas fueled power, then Brandon jacked up natural gas costs (which raised both my natural gas bill and power bill) while also jacking up gasoline at the pump. Enough! It's a sweet feeling to now have no natural gas bill (I made my house all-electric), almost no cost of gas at the pump (we do most of our driving in an EV) and yet with all of that extra demand for power we buy only 20% of our power from the grid. This situation isn't good for everybody; all the variables have to be in your favor for it to work well. But if you do your homework diligently to determine if this kind of setup is best for your situation, then do your homework more to optimize each of the components so that the overall system works better than the sum of its parts, it's really nice to be in a situation where the Dim regulators control only a small portion of your energy needs.
What you said ;-)
Solar done right, for the right reasons.