That is not helpful at all! What would you do, if you were in my shoes? Run 10x24v or 10x12v? The same panels in 12v are 10 dollars cheaper. The money issues isn't a big deal to me, the correct, safe and reliable way is.Just to confuse you even more if you used 12V 200watt panels that I guess are 20Vmp and 10A then you could connect the 10 panels in 5 Series 2 Parallel.
5 panels in series x 24Voc is only 120V total.
2 parallel x 10A is 20A total.
Newpowa make low Voc panels.