I would go with the Xantrex. If you have an inverter with a built-in fan & the fan fails, the inverter might get damaged due to overheating. If you add an external fan to an inverter w/o a built-in fan & the fan fails, you won't damage the inverter.
I have a Xantrex GT3.8 with 3960 watts (stc) of panels. The inverter is mounted in my garage, which can get to 100F + in the summer. The hottest inverter temp that I have seen (without using an external fan) is 147F. This is extremely hot to the touch & is very near the point of causing a burn to your skin. It is still within the Xantrex temp operating range (I think that the max is 176F). I added a small (external) fan with a plug-in lamp timer. I have since changed to a thermostat control with a remote mounted sensor. I have secured the sensor to the top of the inverter with heavy foil tape. Now the max temp that I see is 122F. This is the temp that I have set on the thermostat.
http://www.grainger.com/Grainger/items/ ... Item=3ZP77