Such a difficult subject to talk about because there is so much conflicting info on what is best. First, I watched hours of Mike Holt before building my system, specifically, I like the "electrical" common sense in this part of this video:
(from 51:10 -52:48) (and there's many other lectures he does concerning lightning pulses, etc.)
Anyhow, just a precursor, I have a small 3kW 7ft high wooden ground mount (no ground rod, even though I purchased one with the ground wire), that I just built with a Floating off grid AC300 w/Batteries using several GFCI's, not grid tied or plugged into shore power. The MC4's are plugged into an isolation switch (actually have 2 for a small set that I have) to use in a scenario described below so I can at least protect my AC300/Batteries..
https://www.amazon.com/gp/product/B0B1555FP5/ref=ppx_yo_dt_b_search_asin_title?ie=UTF8&psc=1
Well, anyways, the first 10 of 10 days of me turning on my system, lightning every day and one of those 10 days, BOOM, a lightning Bolt hit my neighbor's backyard (wife saw the orange ball and I turned around to the window and saw the smoke). I thought that was it. Brand new panels, gone, up in smoke, new ones that I can't even buy again since they are sold out...anyhow, after the storm blew by, I switched the disconnect switches to on and they worked. The "pulse" DID blow out 3 of my 8 security cameras (plugged into shore power), tripped all of my (solar) GFCI switches (as expected due to detecting differential in current), and blew out 2 emporia switches that I had outside (solar) but not the pumps plugged into it. I dodged bullets those 10 days, even had hail and about a month later a hurricane with 90 mph winds. So a question, IF I did ground the panels AND the pulse DID travel up the ground rod, into the panel array, would that have been it? Something like the video above? I am unsure. I DO KNOW that a bolt hit feet from my house and they survived (knocking on wood right now). Here's a Mike Holt video of lightning striking but induction(?) happening many yards away from the strike.
Anyhow, that's my experience, so far...