mas985 in post #6, and tphaggerty in post #8 are spot-on.
Bottom line: The amount of panel area needed is directly related to:
1) How long you want your swim season to last.
2) How much daily sun exposure you have where you intend to install the panels AND what you have on your pool through the day.
3) Are you willing to use a pool cover.
4) Is your pool subject to any cooling effects from wind.
5) How fast you want the water temp to rise.
I think that we can all see that everyone's wants and needs and thus hardware requirements will vary substantially.
pj
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