Your boat plan would be better for a deck mount to ensure the survival of the panels. Consider carefully your SAILORS' FOOTING and traction requirements in balance with optimal panel survival. Bluewater sailors slipping overboard are 99.9% dead already.
I decided that if I were not able to stow the panels before a forecast storm and they were torn-away by a wave, it would be acceptable. My mounting hardware was designed to be weaker that the stainless steel tubing it's mounted one, for that reason. I considered deck mount for the good reasons that you mentioned, but with my sailplan -vs- deck area, it would mean not having safe footing while sail handling. Stepping on a wet piece of glass on deck could be fatal; in a serious storm, it almost certainly would be. As a precaution, and for extra charging capability in calm conditions, I had an extra 55 Watts divided among 4 panels, stowed below. They all have Anderson PowerPoles, so hooking them into the system is quick & easy. Aboard my previous boat, that was ALL the battery charging I had, and I was fine - because I was single. Married sailors use more power, water, food, soap, toilet paper... you get the picture.
>Ray