Before these questions can be intelligently answered, we first need to know what controller you have and what your winter low temperatures are like. Also your battery voltage.
Your panels have an open-circuit voltage (Voc) of 46.8V, so their voltages add as you wire them in series. The more economical controllers have a maximal voltage of only 100V, so even just two panels in series would be 46.8V+46.8V= 93.6V. Winter temperatures not even dropping to freezing would already bump the Voc pass 100V.
Let's say you got a Epever 5415AN controller, with a 150V limit. You could wire two panels in series, but not three. With three parallel strings of 2 panels in series (that's 2S3P) you'd get 2130W of power. Charging a 24V system at 25V, that works out to be 2130W/25V = 85.2A, way over the 50A limit of this controller. But, the same controller charging a 48V system, the math would be 2130W/50V = 42.6A, within the capacity of this controller.
How about instead you have the Epever 8420AN controller with a 200V limit. You could safely wire three panels in series to get two parallel strings at 140.4V. At freezing they'd put out ~157V. Use a string calculator like this one with your winter lows to determine what you can wire together.
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With only two parallel strings, no fusing/breakers are required. With three, they are.
So, details matter greatly here.