It is 3 panels in series, that's the easy part
Next, regardless of where than strings are combined, each string must be fused/breaker
As for the wiring, its an ease of installation and cost that makes the rest of your decisions. Combining on the roof is less total footage of wire, but costs more as the wires of the combined current must be MUCH larger, and wire cost is not linear with gauge. Its also much much harder to pull thru conduit the low wire gauges ( thicker wires ) than 12 gauge, which would be fine for home runs on each string
On the external vs internal question, that's a code thing. on the roof, you can have USE-2 wire, but anything accessible requires conduit. If you run the wire into the attic, that MUST be emt, not pvc.
My wiring is thru the roof, into the attic, emt to the combiner panel which is next to the charge controllers in the garage. Its all TWTH 12 gauge from home depot, about 120 bucks for a 500 foot roll. You need to have this all planned ( drawings and material lists ) and approved by the electrical inspectors BEFORE you get the permit
Send 50 bucks and by the current NEC code book, I got mine of amazon. All the PV stuff is section 690 and its invaluable for planning or installing PV. The plans examiner will be doing the same thing against the plans so having the book is the only way to know what is the correct way to install.
My inspector was pleased that I had the book, took the time to understand the regulations and made approval a snap. My electrician friend, while an excellent electrician ( master electrician ) had no clue about anything PV as its not anything he was taught , tested on or ever installed. I did all the work under his license for my installation
Hope this helps