We will see over the next 25+ years how the harsh environment affects them. Where I live we can get to -40 to +40 C with snow and rain.
The temperature spec for Enphase is -40C to 60C.
The temperature spec for Hoymiles is -40C to 65C, but they are tested at 85C immersed in hot water for 1000 hours.
I consider that to be amazing, having done environmental testing on inverters and other components many times in the past. Never did we consider testing them at such extremes. In the 1990's I was responsible for testing replacement parts for the inverters used in nuclear power plants, and we didn't test them to those extremes. I for one am impressed by these tests and specs, but you are correct. We shall see how they hold up over 25 years.
However, given the low cost of Hoymiles HM-1500NT at $299 for a 1.44kW output Quad microinverter, the payback is short enough that it won't matter to me. I can afford to replace these after 25 years more easily than I could a string inverter that may fail after the 10-year warranty is up, or the possibility that Enphase denies my claim for whatever reason.
FYI: The O&M crews I've worked with replace a helluva lot more string inverters than they do microinverters, again and again. These are 3-phase commercial string inverters in the 14kw to 30kW range. The old ABB units are a nightmare of return and repair. We send them out for refurbishment, re-install them and they break again within months. The old RefuSol inverters are constantly shutting off because they get false ground faults on their unusual bipolar arrays when the arrays are unbalanced and won't restart. We end up installing isolation transformers to establish a clean N-G bond out in the solar field to get them to behave. The large 500kW Advanced Energy inverters with the bipolar array do it too, same fix. The SMA string inverters aren't much better with their ground fault and arc fault issues preventing startup (mostly resolved). It's an ongoing issue all over California commercial PV sites. I've replaced 3 SolarEdge since moving to NC in the past 2 years. The string inverters I've had the best luck with are Chint Power Systems (CPS). If one of those fails, THEIR techs are on-site promptly to repair them without our having to do a truck roll to remove the inverter, crate it up and ship it back. Great service! Thankfully these do not fail very often.
Microinverters on the other hand, we can stock them in the back of the truck and they are easy to replace all in one trip. No return trips or crating necessary. So on that front, they're just better for business. Optimizers double the labor because after you install them, the inverter still needs to be installed, and string inverters now require RSD devices on the panels so again for an installer and an O&M crew, string inverters require a lot more labor and it is ongoing over the years. I feel sorry for a bunch of utility-scale sites that probably lost millions of $ because they used the wrong string inverters.