Since solar panels are very thin and aimed up, it feels like they add minimal cross-sectional area to the craft. Your assertion seems trivially incorrect to me?

Drag (fluid mechanics generally) is... ludicrously complicated. For the typical shapes of ships, I believe you are correct that the main factor is cross sectional area perpendicular to the direction of travel, but that’s not universally true. i think that for a floating raft of panels, it would be proportional to the panel area, similar to how for winged aicraft its the wing area and not the cross section perpendicular to direction of travel.

The requisite area to power a ship is huge, something like 1.4km^2 (ballpark estimate for 20% cells, reasonable capacity factor guess, 60 MW consumption requirement). If a ship is about 30m wide, it's trailing about 45 km of PV. You're not even into 4 digits of cargo ships before the combined length is longer than the circumference of the planet.

i'm guessing there's more research to make it feasable since i haven't seen "carbon neutral gas alternative" at the local Chevron.