Please Check and Comment on My Wiring Diagram
The wire should be rated at 156% of the expected current. With that properly sized you can run a series string or two panels in parallel all day long and not even warm up the wire - there is a max panels can put out and no more so a dead short will only ever draw Isc (current short circuit) 1.25 * 1.25 = 1.56... this is a NEC requirement.