Need help deciding my best route on purchasing my solar system in Oahu Hawaii. Quotes based to zero out a $400/month HECO bill. Rates here on the island are .37/kWh.
Also, one of the vendors mentioned that I should not be using micro inverters that are less kW than the panel size because of clipping. He said that I am in the highest sun zone in the island (500 sun zone) and we live in Hawaii that the panels will produce more than the PTC rating. I'm specifically talking about the systems that are paired with the Enphase M215's and the Solarworld 270/Enphase M250's. Your advice is greatly appreciated.
Vendor 1
System 1
9.9kW
(37) Solarworld 270
(37) Enphase M215 Microinverters
Price Per Watt - $3.60
Total Price - $35,954.52
Price after Federal & State credits - $15,168.16
System 2
10.15kW
(35) LG290
(35) Enphase M250 Microinverters
Price Per Watt $3.88
Total Price - $39,428.35
Price after Federal & State credits - $17,395.90
Vendor 2
System 1
8.37kW
(31) Solarworld 270
(31) Enphase M250 Microinverters
Price Per Watt - $4.00
Total Price - $33,480.00
Price after Federal & State credits - $13,718.00
Vendor 3
System 1
7.95kW
(30) LG 265
(2) SolarEdge 3800
Price Per Watt - $4.01
Total Price - $31,895.06
Price after Federal & State credits - $11,902.56
System 2
7.95kW
(30) LG 265
(30) Enphase M215 Microinverters
Price Per Watt - $3.84
Total Price - $30,541.35
Price after Federal & State credits - $12,412.41
Vendor 4
System 1
7.21kW
(29) LG 290
(29) Power One 300
Price Per Watt - $4.86
Total Price - $35,000.00
Price after Federal & State credits - $15696.37
System 2
7.29kW
(27) Solarworld 270
(27) Power One 300
Price Per Watt - $4.07
Total Price - $29,700.00
Price after Federal & State credits - $12,527.89

Also, one of the vendors mentioned that I should not be using micro inverters that are less kW than the panel size because of clipping. He said that I am in the highest sun zone in the island (500 sun zone) and we live in Hawaii that the panels will produce more than the PTC rating. I'm specifically talking about the systems that are paired with the Enphase M215's and the Solarworld 270/Enphase M250's. Your advice is greatly appreciated.

Vendor 1
System 1
9.9kW
(37) Solarworld 270
(37) Enphase M215 Microinverters
Price Per Watt - $3.60
Total Price - $35,954.52
Price after Federal & State credits - $15,168.16
System 2
10.15kW
(35) LG290
(35) Enphase M250 Microinverters
Price Per Watt $3.88
Total Price - $39,428.35
Price after Federal & State credits - $17,395.90
Vendor 2
System 1
8.37kW
(31) Solarworld 270
(31) Enphase M250 Microinverters
Price Per Watt - $4.00
Total Price - $33,480.00
Price after Federal & State credits - $13,718.00
Vendor 3
System 1
7.95kW
(30) LG 265
(2) SolarEdge 3800
Price Per Watt - $4.01
Total Price - $31,895.06
Price after Federal & State credits - $11,902.56
System 2
7.95kW
(30) LG 265
(30) Enphase M215 Microinverters
Price Per Watt - $3.84
Total Price - $30,541.35
Price after Federal & State credits - $12,412.41
Vendor 4
System 1
7.21kW
(29) LG 290
(29) Power One 300
Price Per Watt - $4.86
Total Price - $35,000.00
Price after Federal & State credits - $15696.37
System 2
7.29kW
(27) Solarworld 270
(27) Power One 300
Price Per Watt - $4.07
Total Price - $29,700.00
Price after Federal & State credits - $12,527.89
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