Do you have any battery storage? How well do islanded microinverters handle startup surge on electric motors, or is it the case that you need a 20kw+ array to handle a refrigerator cycling on?
The system is not yet configured to support solar only utility disconnected operation due to supply chain issues (additional components, rush to PTO), so I cannot speak to surge start capability of the IQ8+ micros in island mode.
AC is a difficult load. Get the inrush current here: https://www4.enphase.com/en-us/support/faq/how-support-hvac-... and you will be able to figure it out.
Your refrigerator will be fine. Its locked-rotor amperage requirements are small compared to AC.