So a few points - Solar panels are slanted and can be directed in such a way to keep small of it. It wouldn’t take much to keep snow off, and keep them working efficient. It’s also not the only source of energy when it comes to heating a house. My own house has a fire pit which works quite well.
Also, heating isn’t universal. If you live in a cold climate, you know there are wonderful items, such as sweeter, pants, and even thermal underwear to keep you warm in even the coldest days. On a hot day, I’m forced to use air condition, because even walking around in just your underwear can be too hot.
But a cold day. A cold day is easy. Just wear layers. Anyone can do it.
But even then, with some good insulation, it doesn’t take a lot to heat up a room or a house and keep it warm through out the winter.
And again, I can’t stress this enough, solar panels are resource intense. In the long run, if you need energy, they make sense. But if you can cut down on your energy costs, that is best.
Living in a city, especially an apartment, in the north, you have an easy time of recapturing waste heat, and using it to heat the building. As long as you keep the building warm enough to the stop the pipes from bursting, you can wear layers, further reducing heating costs. In addition, with cities, you can have efficient public transportation instead of requiring a car (further saving, both in car use and car construction).
Face it, living in the south is only possible due to air condition, and it’s only going to get worse.