No, clients do not interact with arbiters at all.
It is also not required to include all the primary/secondary servers in the connection string as the driver will query for this information. Please note that it is best practice to have all primary/secondary servers in the connection string as it means the client will always be able to find a server to communicate with.
e.g. If you had a replica set of 3 servers and your connection string only included 1. If that server goes down then that client can't find the other replica set members.