New 20kw Solar Install - just interconnected - Did we get screwed?

[ButchDeal]

Okay, tell me why not just replace the 5kW with a 10kW and everyone walks away grinning...

The two systems are not connected. The 10Kw system is also clipping just not as badly as the 5kW.
The 5kW would be a better fit for a 6kW inverter and the 10Kw would be a better fit for an 11.4kW

One cheap solution would be to move the SE10000H to the 7.15kW array and get an SE11400H for the 12.35kW array.

The price difference between an SE6000H and an SE11400H is small so this would be my suggestion over keeping the SE10000H where it is and replacing the SE5000h with and SE6000H