I think in your second goal you've set yourself an impossible target in your circumstances. Here's where my own research into this began
https://www.appropedia.org/Passive_annual_heat_storage with John Hait's work on passive annual heat storage.
His approach won't work for you because of your very high water table. Otherwise it would be my first suggestion.
You say you've done all you can in terms of insulation, but doing more with regard to insulation is probably, still, your most effective move.
Your description of your solar exposure makes me think that passive solar systems are not going to be very effective for you because you just do not get
enough sun.
The house I am building, in SW MI, uses passive annual heat storage, under the center of the house, with air tubes for heat transfer four feet deep in the ground. We have a
wood cook stove that will supplement heating while preparing our meals. There will be a south facing attached
greenhouse for solar gain. We're also going to have a
rocket mass heater, in case we need more. The house will be a round wood timber frame with strawbale infill and lime plaster. The strawbales provide substantial insulation, with the plaster representing an additional thermal mass for storing heat. We have good exposure to the southern and eastern sun and will be adding a reflecting
pond to amplify the exposure.
Please note that despite being designed from the start for passive solar energy capture, including high insulation and thermal mass values, we're still planning to have back up heating systems.
After all of that negativity, let me offer something pretty easy to do that might give you a chance to test whether you are getting enough solar exposure to be worth taking advantage of it. This is one example of a "tin can solar heater" that might be a cost effective test case for you.
https://youtu.be/AQiopAGnY5c
If one of these is helpful, then you might consider the rooftop solar
water heater suggested up thread. If there's enough sun, roof top water heating can be a very effective system.