The guarantee only covers the inverter, not the cost of scaffolding and labour.
And with multiple inverters comes multiple failure opportunities - even with big name and honest suppliers.
So far Enphase are the most reliable ones we have found.
Remember a guarantee isn't worth the paper it is written on if the company ceases to trade in the next 20 years. Or is like Renesolar, pulls out of the UK market and ignores all contact.
A good string inverter will last for 8 - 14 years (average from our installs) and the difference in performance on an un-shaded roof with single orientation will be very small compared to micro's. If you are electrically capable you can change the inverter yourself when the time comes. This is important as PV is long term investment - you want to keep things as simple as possible and plan for your dotage!
Having a string inverter also makes it easier to fit battery storage (when the price becomes sensible) and who knows what other new gadgets in the future...
Have you priced up the cables and connectors required with these AE micros? This can add significant cost. Also (not wanting to slate AE as I've not seen the product) the connectors used by AE seem to be a familiar type - ones that have not proved to be weather tight or secure from my experience. Ask them to confirm the IP rating - and check that it does not apply to vertical installation of the connector only - just sayin'...
P.S. when I say 'good inverters' that takes no account of company size or brand recognition. We've had Jinglong inverters fitted for over 6 years now without issue (and who new of them when we started installing?) Fronius and Mastervolt inverters have all failed after 4 to 5 years. All of them. Long term experience is very important with installers in this game.
As with anything, buyer beware!