Solar covers in sunny areas do add heat. My pool is about 3 degrees warmer than the average temperature here is on a running average. If you do serious research, you will find that even solar panel companies tell you to do a cover first and then add panels. Less will be needed mainly because you cut down on evaporative cooling at night, but you do get some net heat from the sun also. Do a cover first. Add panels later.
I am considering panels too, but in my case since my back yard faces north I'd either would have to put panels on the roof front of my house which I don't want to do or put them on the back fence row. If I do that they will literally be on the opposite side of the equipment pad. So If I do this, I probably will be using a second pump. If I am really clever maybe I can get a solar one to work. So you don't NEED to run the main pump to flow water through the panels. If you do pipe back, use black pipes (paint them) and you'll get a slight bit of extra heat from them in sunny areas. If I ran them back to the equipment pad that is what I would do with the long run (or bury a part of them).
I think I'm going to tackle a SWCG first though this year.. Panels can be the next project... Good luck on your project though. You can get two more months in a southern climate with a properly sized system. I've done the math on mine. Do a bit of Googling and you can even find calculators. You generally need 2x the surface area of the pool in panels or more for an effective system.