Solar panel rating is based on absolutely ideal conditions.
Absolutely ideal. In order to get those conditions you need to have a perfectly clear day, freshly cleaned panels, your panels mounted on a heliostat, or 1-axis tracker with elevation tuned for today, so the panels are dead square on to the sun's rays. It helps to be near the equator so you get less angled travel through the air.
If your panels are oblique to the sun's rays, which will be true all the time on all fixed installations except possibly a 5-minute period 3 days a year... then you will get less than rated power. And you can do the trigonometry to figure out to what degree the panel is degraded by not being square-on.
So you're going "well hold on! Those ideal conditions will NEVER happen for me!" Yes, and the solar panel installer should have set that expectation with you i.e. educated you as to this reality. Unfortunately when you're in a 30 minute consultation, thousands of words get said, most highly technical, and laymen just can't remember all of it.
Given that max is never gonna happen...
how do we size the inverter(s)? Is there any disadvantage to just going ahead and using a 410 watt inverter so that your best day, at least, really is your best day?
Yes, there is a disadvantage, actually. Electrical panels are limited on how much solar they can support. For instance a 100A service with 100A-bussed panel can support 3840 watts of solar inverter. Using the max possible inverter capacity limits your array size - if you had used 410-425W inverters, you'd be limited to nine of them. By dropping the inverter to 300W, you can have twelve. How much to downsize is really a system-design decision.
Panels are cheap
I know you just got done paying a 5-digit sum for all this, but the cost of it wasn't in the solar panels. Solar panels are 50 cents a watt. The lion's share of the cost was in the
- entitlements (permission to build)
- system engineering
- roof mounting hardware
- Labor (perilous work)
- wiring
- insurance
- financing
- customer acquisition / sales funnel
The low cost of the panels themselves, lends itself to solving difficult problems by throwing cheap panel at them.
So what you actually bought was a 3300 watt system, in which they enhanced your system's performance by oversizing the solar panels, because doing so was very cheap to do.