einstein2nd wrote:
Example (more like a what if):
Two panel system in parallel: One panel is damage and water sets in and shorts out internal wires. The damaged panel acts like a load and draws from the other panel which will burn out if not protected.
Incorrect. The good panel cannot exceed Isc and will be just fine. A fuse would be rated for more than Isc and would not blow. 3 parallel panels means the damaged panel would receive 2xIsc and that's when you want a fuse on that panel to blow.
A diode represents a significant and unnecessary voltage drop especially on 12V and 24V panels.