Just bought two 12v 100ah Lossigy batteries for $315 each on Amazon, and the description unequivocally states that will not accept charging below 0 degrees Celsius. Now I have to return the 24v 100ah battery which is still boxed and the Victron SmartSolar 100/20 so that I can order a Victron 100/30. That will let me add one more 12v solar panel in parallel if I need it. Got to admit that this all shows how much I need to learn about electricity.