This concept only matters if you care about having power during a grid outage.
Basic wiring: Utility service => Inverter input, Inverter output => Breaker panel
If utility power goes out, your house still has power from the inverter + batteries + PV.
Without the 200A passthrough, if utility power goes out, so does your house. Many inverters still have a "load" port which remains powered during an outage, but if it is less than 200A, you cannot pass through the main service line and need to pick a few circuits for a CL (Critical Load) panel.