But it is a question of cost VS function. If you have the money to install the extra capacity then you win.
100%. No argument there.
What I am saying is, don't stress the system. The electrical equipment doesn't like to be stressed. That is why even your inverter comes with a maximum output AND continuous output. For example, it can push a maximum of 10Kw but it can run 8Kw continuously. It has an overload protection of 5 to 10 seconds to compensate for a motor startup but cannot run on continuous overload.
Running a geyser from an inverter won't be a stress on the system though. I'll explain why below.
Adding extra solar panels means you have extra charge capacity but again your inverter if a hybrid can only handle so many panels. You can actually overload it. So it is not just a question of "more is better" It comes down to the inverter, charge controller, and continuous input/output limitations.
Yes, true, but no installer worth their salt will install more panels than your inverter can handle. Most 5 kVA inverters, for instance, can handle more than the 8-9 that my small roof can feasibly fit.
Also, there are more costs, you need to control when the geyser is consuming power and from what source otherwise a situation can exist that it will drain your batteries.
If this is a concern, then you set up your geyser on the "non-essential" side.
When you install the solar system, your house gets wired into "essential" and "non-essential". The "non-essential" stuff is basically on the grid, just like the good old days. The "essential" stuff gets powered off the inverter.
Inverters can be configured to use power from their sources in whatever order. The typical one would be:
1) solar
2) grid
3) batteries.
So if there's not enough sun for your needs, they blend in some power from the grid. Batteries are only used during load-shedding.
You can have it the other way, so that solar charges up your batteries, and then batteries power the essential stuff at night, if you really want to decrease your reliance on grid, but I doubt many folks here are doing it that way. It's configurable though.
W.r.t. the "non-essential" stuff, which is typically geyser and stove but you can wire your house up however you please. These inverters have the ability to export to the grid. But they also have a current transformer coil that gets wrapped around the wire coming out of your meter.
So while your non-essential load is powered from the grid directly, the inverter can push any excess solar power leftover from the essential load, to the grid, but it senses the load using the CT coil to make the net current as close to zero as possible. So you can use the excess solar for geyser / stove.
When the grid goes down (i.e. load-shedding), the inverter won't export anything. It won't push power into that circuit unless it detects that there's actually grid available. So you'll never run into a situation where your geyser is being driven by your batteries.
Sure, you could make that choice and over-spec your system and then put the geyser on the "essential" circuits, but almost no one that I am aware of is doing that. You just use a timer to make sure your geyser is only on during the mid-day, and then hot water should stay hot well into the night.
All hybrid systems, as far as I know, have built-in chargers that can handle only so much. I don't know of any that can separately control something like a geyser BUT if it can then more power to you.
The inverter doesn't control the geyser. But it can be controlled from something like a smart-home thing, or even just a simple timer. Then you're taking advantage of the "free" electricity from the sun, while the geyser is on.