our association club house has a 10 year old 30Kw system. 3 of the panels have shattered glass panels, another 11 have water damage, and about 90% of them have "snail trails". The local sparky has tagged them off as he feels they are a safety hazard due to water damage.
At the moment the suppliers are looking into warranty replacement of the damaged ones. The problem is availability of 10 year old panels. They need to be compatible with what is there.
So although there is a 25 year warranty, it doesn't mean much if the bits are no longer made.
Saying that, new panels are supposed to be more robust, and not so prone to "snail trails"

These snail trails are only supposed to reduce efficiency by 10%, so they reckon that falls within the guarantee.
We have our fingers crossed that this gets fixed under warranty!