As someone with a smaller scale version of the "problem" you describe (3x overproduction from our ground-mount 6.7kW array in summer, 1/3x production in winter given air source heat pumps), I'd say this is where, even with this amazing contemporary technology, we need to get back to ... insulation.

As others have noted, passivhaus standards would help fix the "in the winter, homes use a lot more energy than they can generate" part of this. I've read of homes in Scandanavia that are heated by their inhabitants plus the output equivalent of a few candles. Not totally convinced by these stories, but they point the way: once you've got the carbon-reduced/free energy supply in place, work on massively (if possible) reducing how much of it you need.

We have an old adobe in the high desert, and it is so far from passivhaus as to be a joke. I'm fairly sure that if this was built to passivhaus standards, even our currently undersized array could handle the heating needs.