Isn't the 3.64kWp figure for a panel installed under ideal conditions where the panel is at the equator, the sun is directly overhead at mid-day in a cloudless sky AND the panel operating at 25C?
Even if it was a figure for the UK it is unlikely that a roof where panels are installed are ideally aligned and the peak output would only occur for a vanishly small period of time during the year.
The kWp is a figure that can be used to compare the output of panel A with panel B.
You may want an inverter that can handle more that a panel can realistically output as a factor of safety such as the extremes of temperatures encountered where the inverter is installed.