What I do for wire size, is I use the lower voltage VMP, and highest amperage to determine wire size. In your case 38.79 VMP and 10.69 ISC. When used on a wire size calculator, that will get you the thicker wires. Not taking into account temp losses, this should get you less of a loss than calculated.
I also use the higher ISC to the ampacity chart to make sure it does not exceed amps. For the charts I use, ampacity is 30 amps for 10 AWG and a MC4 spec is 30 amps. So I could parallel two strings of panels and remain under specs for both 10 AWG and MC4, but three or more than that is slightly high. For the ampacity chart, using the lower of the two numbers would have meant Paralleling three is fine With 10 AWG and MC4.