I bought 3 330W panels from CED Greentech in Denver about 16 months ago for $200 each. The fact that they were only 2 miles from my house then made it easy. I have no idea how prices have changed since. One thing though is the panel listings on the main CED Greentech website had little to do with what the local store had in stock. I ended up calling my local store and got a list of makes and models after giving them a wattage range I was interested in. I then looked up the specs for each panel and decided which specific panel best fit my needs. I called them back a few weeks later, ordered them, and picked them up the next day. They were helpful and easy.
Don't focus on just 200W panels. 4 300W or 4 330W (or whatever) panels could work for you with the right specs. Or maybe 3 400W panels. I suppose you have physical limitations based on where you plan to mount the panels.
Call them. See what they have. Then do your research on those panels to see if they work for you. They have 3 central FL locations. Call all of them since each may haven't different options.
Is there a trusted online solar string calculator by any chance that takes into account all the factors?
I imagine there's one somewhere but no need. It's simple math. You can probably make a simple spreadsheet where you enter the specs of one panel and the number in series and the number in parallel and you get the totals for the array.
You know you have a 150V limit. Given your location and adjusting for temperature you want to keep the total array Voc under 139.0V. So panel Voc x series count. If that's 139.0V or less you are good. You should also try to keep the Isc at 15A or less to avoid clipping (reduced output). If the panel Isc is 15A or less you are good. If the panel Isc is 7.5A or less then you can have two parallel strings. That's not too likely with larger panels.
So two simple number checks. You can go over on the 15A limit but anything over 15A is lost so the goal is to get close but not over 15A if you can.
Narrow your candidates down by panels that get you close. If you are unsure about a panel, post the details here.
Don't limit yourself to CED Greentech. There are probably lots of solar places in sunny FL.