A solar cell has a photovoltaic element having a back electrical contact, and a front current-collection grid cap structure overlying and contacting the photovoltaic solar cell element. The front current-collection grid cap structure is made of a doped semiconductor material and has openings therethrough to the photovoltaic solar cell element. An anti-reflection layer formed of an anti-reflection material overlies and contacts the photovoltaic solar cell element in the openings of the front current-collection grid cap structure. An edge stripe of a cap-top protective material, preferably the same as the anti-reflection material, overlies and contacts each top grid-cap margin of the top cap structure but not a top grid-cap central region of the top cap-structure. A metallic electrical current collector overlies and contacts the top cap structure and at least some of the edge stripe, but does not contact the anti-reflection layer and does not contact the photovoltaic solar cell element.