Well, you're on the wrong track here.
First, if you have the same or similar DC to AC ratio for the output rating at 208 as you would at 240, then energy production and losses won't be meaningfully, different. You will just need more inverters. For example on your 46kW array if you have (5) 7.6kW inverters that's a 1.21 DC to AC ratio, whereas with (6) 6.6kW inverters that's a 1.16 ratio, so you'll get slightly higher production. Those are both very reasonable ratios. For a pretty good discussion of clipping see here.
https://forums.mikeholt.com/threads...ipping-of-pv-production.2573365/#post-2826236
I don't know the intracacies of design with your supplier but something like this has to be possible.
There's a second part to your concern that seems to involve confusion about how energy passes through transformers. There is energy loss any time you pass through a transformer, but different configurations won't meaningfully change how much is lost from your solar output. If you already have 208/120 available and the inverters work at 208, that's probably what you should use. Putting additional transformers in the mix will have more losses. The portion of solar energy that goes straight to the loads at 208 will have fewer loses.