They pay off when the roof breaks the string conditions: shade that comes and goes through the day, panels split across two or more orientations, or rows that cannot be equal. Then the extra electronics stop being a luxury and start paying for themselves with the production they rescue.
Optimisers: the middle ground. They keep a central inverter and free each panel from the tyranny of the row. They are the usual answer to partial shade, the neighbour's chimney or a roof with two faces. In exchange, they put electronics up on the roof, and the central inverter remains a single point of failure.
Microinverters: full independence. Each panel works on its own, there is no single point of failure and the installation can grow panel by panel if you ever extend it. They are the answer to genuinely complicated roofs: several orientations, difficult shade, irregular spaces. They are also the most expensive option, and proposing them where they are not needed means charging you for electronics you do not need.
What you gain in both cases: seeing every panel. With optimisers and microinverters, production is measured panel by panel. A dirty or faulty panel shows up on its own, without waiting for the bill to creep up. With string you see the installation's total, which is usually enough for a uniform roof. We check what your installation produces every day whichever electronics you choose.