The development of renewable energy sources has grown increasingly as the world shifts toward lowering carbon emissions and supporting sustainability. Solar energy is one of the most promising renewable energy sources, and its harvesting potential has gone beyond typical solar panels to small, portable devices. Also, the trend toward smart buildings is becoming more prevalent at the same time as sensors and small devices are becoming more integrated, and the demand for dependable, sustainable energy sources will increase. Our work aims to tackle the issue of identifying the most suitable protective layer for small optical devices that can efficiently utilize indoor light sources. To conduct our research, we designed and tested a model that allowed us to compare the performance of many small panels made of monocrystalline cells laminated with three different materials: epoxy resin, an ethylene–tetrafluoroethylene copolymer (ETFE), and polyethylene terephthalate (PET), under varying light intensities from LED and CFL sources. The methods employed encompass contact angle measurements of the protective layers, providing insights into their wettability and hydrophobicity, which indicates protective layer performance against humidity. Reflection spectroscopy was used to evaluate the panels’ reflectance properties across different wavelengths, which affect the light amount arrived at the solar cell. Furthermore, we characterized the PV panels’ electrical behavior by measuring short-circuit current (ISC), open-circuit voltage (VOC), maximum power output (Pmax), fill factor (FF), and load resistance (R). Our findings offer valuable insights into each PV panel’s performance and the protective layer material’s effect. Panels with ETFE layers exhibited remarkable hydrophobicity with a mean contact angle of 77.7°, indicating resistance against humidity-related effects. Also, panels with ETFE layers consistently outperformed others as they had the highest open circuit voltage (VOC) ranging between 1.63–4.08 V, fill factor (FF) between 35.9–67.3%, and lowest load resistance (R) ranging between 11,268–772 KΩ.cm−2 under diverse light intensities from various light sources, as determined by our results. This makes ETFE panels a promising option for indoor energy harvesting, especially for powering sensors with low power requirements. This information could influence future research in developing energy harvesting solutions, thereby making a valuable contribution to the progress of sustainable energy technology.