I have a similar system in Melbourne. 12 panels, 335W Neon2, 270W peak Enphase S270s. I wondered what effect clipping would have, so I made display showing the generated power vs consumed, $, and predicted solar and predicted clipping. The attachment shows a good day, 8 Jan 2021. The solid red line is the predicted power; the dotted orange line is the predicted clipped value. My calculations don't take into account ambient light (that was too hard), which is why there is a large error in the morning and evening (5 panels get more morning sun, 7 get more afternoon sun).
Clipping starts mid-September and stops mid-March.