Wouldnt think there'd be much in terms of arcing since it's a resistive load, so a cap probably won't do much good in terms of protecting any contacts. Might even make the situation worse.
Use a contactor - you're already looking at essentially 'wasting' the energy anyway, and even though a contactor coil will use a little more juice, who cares? The contacts can handle the stress of connecting the panels to the element.
Stay away from conventional relays with this - you're asking for trouble with things like welded contacts at the very least, on up to and including fires resulting from so much power in such a small place.
Wouldn't use 'em if it were me.
My 2 cents...
Steve