It's worth remembering that the panels, by their very nature, are current and voltage limited.
The fuses, surge absorbers and breakers normally fitted are more to protect against lightning EMP (electromagnetic pulse) events.
The fuses fitted are normally "quick blow" which is considerably faster than a circuit breaker.
The scenario in the event of a lightning surge is:
The EMP will cause a high current flow in the solar panel wiring.
The surge absorber conducts this high current to ground.
This high current causes the fuse to blow very quickly.
A second strike nearby will go nowhere because the fuse has already blown.
House and inverter et al should never see any dangerous and damaging surges.
Having said all that I've never heard of such a disastrous event happening but sods law being what it is .........