Am I reading something wrong here? Aren't 1,2, and 3 all different ways of explaining the same wiring scheme?
Twenty twelve volt panels need to be in strings of four connected in series and in strings of five connected in parallel for a 48V nominal output.
I noticed you have about 50A of solar there. Seems if you add a wind turbine and a single 60A dump controller, you might have more current coming in from both sources than can safely be diverted.
Solar and wind can live together on separate charge controllers. The basic idea is to set the solar voltage a few tenths of a volt lower than the dump for the wind, and they generally work OK together.
Ron has good advice. You did mention the word efficiency in your query. A $500 MPPT charge controller is a no-brainer on $10K worth of panels IMO.