Most mainstream manufacturers I speak tend to take the stance that if the unit is matched to the panels correctly, and that it is installed according to recommended practices, and it doesn't fail in the first month, then it should be ok for between 15 & 20 yrs. 10yr warranties are pretty standard now, extensions to 20yrs were historically rather expensive but have come down a lot in cost recently. Bear in mind that inverter prices are continuing to fall also, so you can't always just assume that the extended warranties being provided are just "factored in" to the unit cost - it's more about market forces driving the requirement forward, imo...