Where did 45.5 VOC at 25C come from? For panels he considers it's 36V at 77F. Barely comes to 42V at 19F.
In defense of parallel living :) - if (IF) 3*195W can be wired in parallel with #8 cable, this is a good news because #8 MC4 cables exist and don't cost too much. There will still be parallel connectors but no rooftop box. But this still requires MPPT controller, because feeding 36V into PWM doesn't make sense.
OP - here is a curveball for you. Buy TS MPPT 45, #10 cable and
3*260W panels $234 each in series. String calculator shows max 104 Voc at 19F.
Total 780W and only $100 more than your planned 3*195W.
60-70% of time it will work as 600W, in the morning/evening/overcast/winter etc. (Your planned 3*195W would work as 400W in those periods). At peak sun the controller will clip the output down to 45A/600W. Or man up and get TS MPPT 60 ;)
