There is no limit to the distance between the array and the combiner, but best practice is to transition to conductors in conduit as soon as you leave the vicinity of array. It's a workmanship issue, as well as a conductor protection issue. Unprotected single-conductor cables are undoubtedly the #1 cause of ground faults and arcing faults in PV systems.
While it's not uncommon to find combiners on the roof, accessibility is better at ground level, which is important if you need to install and maintain OCPDs. While the NEC requires the use of listed combiner boxes (690.4(D)), no such requirement applies to transition boxes (for transitioning from USE-2 or PV Wire in free air to THWN-2 in conduit), meaning you can site-build these using listed components, like a NEMA 4 box and polaris connectors. Disconnect devices are almost always installed at ground level.
Note that in a stand-alone system, even very short distances may require you to upsize conductors for voltage drop. You might want to pick up the "PV Design and Installation Manual" from SEI (Solar Energy International) as this contains good design and construction guidance, as well as voltage drop tables for common voltages (12, 24, 48 Vdc, etc).