Another thing while planning for future plates upgrade is ensuring that you get the same spec plate again. This will be unlikely say you go out to purchase 6 months or 1 year down the road.
You can have different plates on a separate string but for ease I'd recommend laying / installing wiring for a separate string during the initial installation. Discuss this with your solar installer.
I think this now comes down to a judgement call to you. Are you OK with dealing with loadshedding via your UPS or opt for a hybrid inverter. God forbid if we default or undergo financial difficulties our power situation is likely to get worse. It is super hard to predict this kind of stuff, esp with recent volatility.
For hybrid inverters, check out inverex nitrox 8kw (grey box) or equivalent solarmax inverters. Good luck 