I haven't gone solar power yet, due to issues persuading SWMBO, but did write a bit of research. Inverter is most efficient at some percentage close to max capacity, but I think they are prettt god over a wide range. You may want to have more cell capacity than the inverters max, depending on you azimuth - if they will never generate max, work out realistic output and size inverter accordingly. Monocrystalline are generally considered 'better', but usually cost more. I would consider the likelihood of your supplier and panel manufacturer being around to honour warranty issues more important than panel Technology is developing rapidly and in a few years you may be able to get your whole roof covered in panels for next to nothing (compare to computer memory and hard drive development). Then again, it could take a decade, by which time the panels have paid for themselves.