Cpt Darling
There are far more knowledgable people on here than me who will hopefully chip in, but what I've always been told is that for the 2 days a year your PV array will be generating it's max it's not worth the extra cost of the larger inverter.
Also there's the issue of the amount you're allowed to feed back to the grid. Again, I could be wrong and someone can correct me but as I understand it, if your installer has submitted a G95 (designed for home solar) form the max you can have is 3.6 kW. If they've done a G99 (designed for solar farms and I belive is hundreds of pages long) you can have whatever. There really needs to be an intermediate form for larger dommestic installtions or small commercial installations as I've been told not many installers want the admin of doing a G99.
What I'm not clear on and where I may have lost out is if you can have a, for example, 4kW array with a 5kW inverter instead of a 3.6kW inverter and set the larger inverter to only export 3.6kW to the grid but if the house demand is higher it can supply up to 5kW. The difference in price between the 3.6 and 5 kW inverts is not a lot. Wish I had known more and trusted my installer less before I had mine in.
Cheers, Mike...