As far as what Digital Ranger says, ditto from me. My experience of one is totally consistent with his multiple homes.
I am not 100% sure on this, but I don't think radiant barrier works if you apply another material directly to it (spray foam). I think you need an air space which would definitely complicate things and I am not convinced it would help. I live in Texas, the summer sun beats on that roof like you wouldn't believe. I have cement tiles and in the afternoon you absolutely can't touch them for more than a second without getting burned. In the attic, you can touch the foam and it is room temp to the hand. I'll take my infrared thermometer up there this afternoon and measure the roof temp on the outside and roof temp on the inside and tell you what the numbers are. It should be interesting.
I did say my house was all electric, but I may have exagerated a little. I do have propane for hot water and cook top. Hot water is via 2 on demand tankless units. Hot water isn't a big consumer of energy here as the cold water is in the 80's for much of the year. $9,000 for solar water sounds like a payback loser to me. If you do that, you are strictly doing it to be green. I think your green dollar would benefit both your wallet and the environment more if you put the cash towards a better HVAC unit or better windows, or better doors, or better insulation. . . you get the point.
Since heating the house is a minor consideration, radiant floor is not necessary. Heat and cooling is via Carrier infinity heat pump. Three units (2 3 ton, 1 2 ton). They work great as well. The 8 tons of total may be slightly more than necessary, especially on cooling. The system seems to work harder during our very short cold season than during the 100 degree summer heat. The system is nearly silent and contributes greatly to the low electric bills. I also have a wine room with a 1/4 horse compressor, and a bunch of refridgerators/freezers.
There are a lot of things I would do differently if I could rebuild my house, but the insulation and HVAC would be a for sure repeat as is.