First , understand this
If you don't want to spend the 80 bucks for the opto , DON'T USE MY SOFTWARE , it is a CONDITION of use ... GOT IT !!
There is No IF's about this ... the reason Xantrex didn't release a PC logger/viewer was for liability reasons ... I have , with the explicit requirement of using the opto isolator .. Sorry if this seems though , but it is the times we live in ...
PV minus is connected to earth ground thru a GFI breaker ... if it senses any current flowing thru this path (ground fault) it opens the connection and is tied to the DC breaker which trips the DC in. When th GFI trips , PV minus can become any potentional and if you have a PC grounding it thru the comm line can fry the PC. There is also considerable high freq noise from the inverter that gets coupled to PV minus ... again can seriously destroy th RS232 port or worse. It also can be a ground loop from the PC to the Inverter , going thru the CPU card , which can damage the CPU card.
The only connection from the Suntie on th db9 port is data pin 2 and pv minus , pin 5 ... there is no other available signals for powering anything , hence why a adapter powered opto is needed
You have to ask Xantrex about the comm. protocal , it is there IP , not mine.
Your little mcu idea won't work unless you seriously filter the data ... the comm stream is 36 bytes second or about 130K hour .. you'll need 2 megabyte a day ... why bother , a used 50 laptop (running win98) can do everything for you using the software as is ....