Impossible to say with that information.
If all panels are the same, then yes, single array would get the I^2 R losses down in the wires, and a general comment would be that the normal grid tie units have been pretty well tested to death, and good figures can be found re efficiency...... but not knowing the panels sizes and types... you may not be able to series them effectively if they are different sizes and voltages...... if they all have the same cells ( 5x5 or 6x6 etc ) there is a chance that they will series effectively.
If they are different, then your current scheme will have to suffice.
..............oztules