Marchi,
Your calculations are correct, except that the power output of the flexible panels I have fitted do not drop to the level of the mono-crystalline panels that are often put in the fixed panels. If I have 20% shade, the power output is reduced by about 20%, not 80% like many of the fixed panels.
During the 5 1/2 years we spent on the boat in the Mediterranean there was a lot of motoring and only rarely did we anchor without our batteries being full. Most of our friends had similar experiences. Many of the Med sailors really didn't need solar panels and as mentioned, they are a pain when Med Mooring and we have seen many bent arches and ripped off solar panels.
If you are anchoring for longer than 4 days at a time, sailing a lot, particularly using chart-plotters and autohelm, I agree, you will need a generator or more solar panels than I have fitted.
Now that we are back in OZ, have our own shore power and do only occasional long sails, our solar panels are basically useless. I will take a generator on long trips as we can often anchor without any neighbours to annoy.
Craig
"Shirley Valentine"
Gold Coast
Australia