chem geek, how many kWh of heat gain do you lose by going from 4 GPM to 3 GPM? If it is more than you are saving (1.9 kWh), then it's not worth it.
Also, if you use solar at 3 gpm at 895 watts for 5.6 hours and then run an additional 1.8 hours without solar to get a complete turnover, then the energy usage would be less because the extra time would be at a lower power usage than 895 watts.
A few other things to consider:
1) Will operating at the lower efficiencies allow the pool owner to achieve the desired water temperature in the time that the sun is available? If the person wants the water to get to 86 F and it only gets to 84 F, then going to higher flow rates and more efficiency will probably be worthwhile.
2) If operating at the lower efficiencies will not allow the pool owner to achieve the desired water temperature in the time that the sun is available, and they have another heat source, such as a heat pump or gas heater, how much will it cost to run the other heat source to make up the difference?
3) What is the intensity of the sunlight? The efficiency is only part of the equation. If you have twice the sunlight, then that doubles the effect of the efficiency difference.
4) Will operating at higher flow rates shorten the life of the panels?
5) What pump does the person have and where does the flow rate put them on their pump's head curve?
The Heliocol 4 X 12 foot (HC-50) requires a minimum of 5 gpm per panel. (8) 4 X 12 panels will require a minimum of 40 gpm.
http://www.sunbelt-solar.com/documents/ ... Manual.pdf