In many places it very rarely gets cold. In those places it would be fine to just drop a panel out of the array if it gets anywhere close to cold enough - assuming such a circuit could be designed relatively cheaply and in such a way that it wouldn't take much power when it's not active. (Obviously, the location of the temperature sensor would be pretty important as well.)
Technically, a panel can be shorted out without damaging it so in theory, you could just short one of the panels with a mechanical thermostat.
There are a few aspects that would need to be considered with this.
* The thermostat would have to be able to switch 2 x Isc or more.
* The thermostat would need to be rated to switch the full string voltage
* The thermostat would need a design where the current through it does not heat it up.
* The thermostat would need to operate at the desired low temperature.
I suspect that finding a thermostat that meets all of the requirements might be a bit of a challenge.
An alternative would be to use a thermostat that uses power from one of the other panels to power a relay.
With this, I would want to think through the early morning conditions. In dim conditions the panels can produce full Voc but very little power. You would want to think through whether the relay would be powered in time to prevent an over-voltage. I think it may be OK because the coil of the relay would be pulling down the voltage of the powering panel till there is enough power to trigger the relay.
Combining the two, you might be able to use an SSR controlled by the thermostat to short a panel.
Warning: I have never done anything like this so there may be gotchas I have not thought of.