Lowest temp being early morning right as the panels begin to collect energy? Than I’d put the lowest temp at about 20 or 25 Fahrenheit to be safe.
Or am I to plan based off lowest temp during peak sun hour on the coldest day of the year?
Use the lowest recorded temperature ever seen in history for your location.
The idea is to ensure you don't kill the electronics, even during a cold snap.
A 2-pole disconnect, isolating both positive and negative of the array from inverter/charge controller is handy.
That can be per string, or for the array (especially if you use fuse per string not breaker.)
Then measure voltage on terminals of electronics, make sure it drops to safe level before touching.
Disconnect AC/battery side too. One guy was surprised he got bit with PV array disconnected.
High voltage strings up to 600VDC are no big deal to work with if they can be disconnected with a switch, and with touch-safe MC connectors.
Just check voltages before mating connectors at end of strings. Paralleling two strings of different voltages or hooking up backwards causes current flow.