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I don't know how to treat the panels in the circuit.Find the voltages, currents, powers and power factors of the first circuit as it is. Then do the same for the second one and compare them.
Find the real power dissipated by each panel and then add these real powers to get the total real power dissipated by the circuit. Then find the total power factor of the circuit. Set a reference voltage to have a zero angle and find each panel's current angle with respect to this reference voltage angle, then add the currents to get the total current supplied to all panels. Find the angle between the voltage and current of phase A to find the total power factor of the circuit. Then calculate the cost by using the total real power plus the penalty due to the low power factor. To the same process for the second circuit and compare them.