The real answer depends on your controller and battery setup, but I'll give you the narrowboat-specific bit since I've got four 400W panels on my tiny setup.
Series works fine if you've got a decent MPPT controller (Victron SmartSolar, Epever, that sort of thing) and decent cable runs. But you're right to be cautious—cloud cover does hit voltage harder in series config, and narrowboats get shadowed constantly by bridges, trees, other boats.
Parallel's more forgiving for partial shading, but you need proper breakers on each string and thicker cabling to handle the amperage. Four 400W panels in parallel is... hefty current-wise.
Honestly? Hybrid approach—two strings of two in series, then parallel those strings together. Gets you reasonable voltage for your MPPT, handles cloud better than full series, and keeps cable sizes sensible. That's what I've got and it works a treat.
What charge controller are you running? That's the actual deciding factor here.