There are a lot of factors, one big one is your skill level.

If you are a DIY type of guy then maybe running some 240V AC wires is not a big deal and then the enphase models or something like them is a good thing because they are right at the panels and you have little wire loss.

Of course, when the SHTF you are screwed unless you set your wiring up to be re-wired easily and use the panels on some batteries or something off grid.

I personally put up with the wire loss but then use the cheap small GTIs because I can have a lot of them so if one goes out my whole system isn't out and I like to monitor things and have them where I can work with them, not outside.

Plus I have a system that keeps some batteries charged for emergencies and also sends extra power to the grid.

I can reconfigure other systems INSIDE the house to feed that battery if the grid is out and have lots of power.

It depends on how important being able to go off grid is to you.

Hope that helps.