I think the key is whether you have need of additional power or not.People have to take off the panels and racking to replace shingles. Some of them will put up the latest.
Solar farms replace panels every 5 years. I don't think they treat them worse than we do.
A solar farm can always sell more power and has already made the full investment in a racking system covering the full available area.
So once the 5-year depreciation-cycle on their existing panels has been reached, it makes total sense to replace all old/fully-depreciated panels with new more powerful panels.
For a home-user, if they are roof-space limited and want more power, the same logic applies (though without much concern regarding depreciation, merely budget).
But if you are already getting all the power you need, there is no reason to upgrade to more powerful panels - you can free up some roof space, but so what? (you’ve already spent money on the racking system, so that’s a sunk cost).