I YouTubed videos on cooling pannels. It seems crazy to me, i saw many different methods, one person put reflection pannels at the sides of his solar pannels to generate more power, and sure enough the pannels heated up after a short space of time. But the loss was less than what he was generating without the reflectors he was generating 84 watts, from a 100 watt pannel on a really hot day without the reflecters, he then hit 118 watts with the reflecters, the pannels got really hot but only dropped to 108 watts,. I can't see it being an issue, for me in cloudy UK.
Maybe in a heat wave which we may get twice a year other than that, the temp in the UK is always 75 Fahrenheit all summer all i would use less electricity in a heatwave and summer.
I only need 5 kWh a day, my system will store 7.5 a day hopefully. But I'm unsure if the all in one system will power devices whilst it charging the battery. Will it only draw power from the battery to power devices, I have connected or both solar and battery. If it did I could get maybe 10 to 15 kw a day. Maybe. I guess at most I would lose 25 percent of that if the pannels get hot.. ? ?.