Hi Frank,
You dont really give enough info to answer your question, lets begin by narrowing down what you are really asking, and gathering some info on what you have so far and want to accomplish.
Assuming you are wondering about series vs parallel wiring
for your solar panels, we can safely ignore the second bit of your post, it is not relevant (this part):
Quote:
I’ll have 12v and 110 lights. A frig, microwave, dishwasher, washer/dryer, fans…. etc. what would better suit my needs and pocketbook?
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The info that would be helpful:
1. Do you have a solar charge controller yet? What is the max input voltage and max input current?
2. Will your battery bank be 12v, 24v or 48v?
3. How likely/common will it be for one or more panels to be partially shaded, will there be shade sources on the roof?
4. What are the panel specs (specifically the "Voc" and the "Isc" found on the sticker on the back, or the datasheet on the sales page).
Putting together your system is a bit like a crossword puzzle or sudoku, fitting it all together in the abstract is overwhelming in the beginning, but once you've got a few components picked out, the rest of the decisions become much more clear and less overwhelming.
How the math works, combine things in series, voltage increases and current stays the same, combine things in parallel and current increases but voltage stays the same, either way, you get the same power out (since volts x amps = watts)