Isc is not the max output, it's the maximum output under test conditions. I believe you're supposed to use STC for calculations, and then scale by 125% as the buffer for exceeding those conditions (EG, bright day with zero obstruction of sun + cloud lensing to give you some bonus).
Regarding the temperature planning - can you use the same outdoor design temperature data as HVAC professionals do? And which one do we typically use for PV? Note that for HVAC the consequence of getting it wrong is not as bad as blowing out your PV inputs.
Theoretically speaking, I guess somebody could come up with a voltage-triggered, self resetting smart fuse with FETs rated to sufficient voltage. But then if this thing fails, you have no protection, so you're back to planning.