Yes with three panels the array (-1) may exceed the individual panel rating.
MC4 is designed to use outside of a box. If you have them and the panels still have the connectors you can certainly use them snapped on the end of the panel connector.
3 to 1 MC4 connector.Of course to really clean things up you may need to cut the cables and attach your own MC4 at the proper length. At that point you only need a basic box to seal the cable entry on the roof.
Can also get MC4 with #8 wire if you prefer for the run down to the controller. Just cut the cable in half with the MC4 attached to the 3 to 1 adapter and the cut end on the controller.
Just an additional option to consider.