It's not generally a bad idea, but you get very low grade heat if you want to keep the PV panels cool and in general you will quickly run into the issue what to do with all the heat on sunny days, while not having enough on cloudy days.
I know this sounds trivial, but you need very little solar thermal surface area to cover all your domestic hot water needs so with the above solution you will run into a too much heat problem rather quickly and convertig it into something else is not feasible due to the very low grade of it (40°C or so).
Maybe a solution for large public outdoor pools 🤷
