Surely the FITS payments for ~1 year would cover a lot of the costs... and think of the extra 15p's you get from the other kWh generated. You can almost smell them
If you're referring to replacing the whole system, then FITS payments would be pro-rata back to a 4kWp system, but I'd probably see an uplift as the panels will simply be better, but the system is still generating, so I'm only losing 1/16th of the generation.
I currently get 19p per kWh for FITS, which is worth between £760 to £874 a year, worst case I'd lose about £54 a year in FITS payments, and as the panel generates at best 287 kWh a year, at 15p that equates to £43 if all is exported, so total loss would be £97 based on my best year, the system is still working, just one panel isn't.
If I installed a new system, say at a cost of £5k (MCE installer to maintain FITS), it would take a very long time to recoup that £5k with my additional £100+ of extra income, even if I gained an extra £200 a year, that would be 25 years.
I would be extremely surprised if it was a panel issue rather than the optimiser. Surely if its just an optimiser swap at their expense, a scaffolding tower would be enough? It would just be a case of lifting the panel and swapping?
I highly suspect its the optimiser and there's plenty on eBay if replacements aren't available. Standard scaffold tower is no good, as there is a pitched roof below, although there may be something a bit more elaborate available.
If I did it myself, I'd just make up some wooden blocks to pack some scaffold boards out on the roof.
The problematic panel is the one in the top left of the picture, this was taken some years ago when I had to repair the roof.
