Series:
Without compensating for voltage rise in low temp, your Voc for series is 48.96 * 3 = 146.88.
Without knowing the lowest temp you will see, I will just assume -10F (-23C) That means your % change is 25-(-23)*.27=13% That means your Max voltage is 146.89 * 1.13=166V
Short Circuit Current is 10.19A. However, for looking up wire size you have to multiply by 1.55 (This is the NEC Safety Margin) so the wire has to be ratted for 15.7A (12AWG)
You do not have to put breakers on the panels, but a disconnect is required/suggested.
Parallel:
Without compensating for temp, the VOC is 48.96. Compensating for -10F we get 48.96*1.13=55.32V
With 3 panels in parallel, there must be breakers at the point the panels tie together....this typically means a combiner box.
Short Circuit Current is 10.19x3=30.57A with the NEC Safety multiplier it is 30.57*1/55=47.38A so the wire from the combiner box to the charge controller must be sized for 47.38V. (6AWG)
So.... if your wires are all short, you total system cost may be lower in parallel, but it could turn out to be cheaper in series if you have a long run from the panels to the SCC.