We live in n. Florida and our pool is 16x32 with a 3-6" depth. We want to get a pool heater and were thinking of solar panels. The question is how much they will actually heat the pool water? We have a screen covering so that lowers the pool water about 10 degrees anyway. I won't get in unless the water is at least 86 degrees. Could solar panels work that well or do we need to go with a heat pump? Any suggestions?