How big are the panels?
Assuming your pool already gets sunlight most or all of the day, the general rule of thumb is you need at least 50% of the area of the pool to make a noticeable difference in temp, with more being better and 100% being a better target for general pool season extension.
For a 16' x 12' pool, that's 192 square feet. 50% is 96, which I'll round to 100. The on ground panels I've seen are usually 2' x 20', which is 40 square feet. They also come in 4' x 20', or 80 square feet. Two 4' x 20' would be 160 square feet, or 83% of your pool surface area. Three of the 2' x 20' would give you 120 square feet, or 63%. One 4' x 20' and one 2' x 20' would also give 120 square feet or 63%.
Do you have room for 2 or 3 on ground panels to sit without them shading each other?
I can't answer your questions on quality though.