Ok, you can't run them in a 4s configuration, because you would end up burning out your inverter by exceeding it's maximum VOC input. But, you would still probably have slightly less loss by running in a 2s2p configuration, and then you wouldn't need fuses or a combiner box for right now.
This would also give you some more leeway for adding another 2 of the panels down the road for a 2s3p configuration, and you could face those panels in some other direction to capture sun at a different time/angle. You would need fuses or a combiner box with fuses once you go back to a 3p or higher parallel array.