Let me put it another way.
Solar Panel Watts, voltage & amps belong to the panels and not much else, it is agnostic.
The Solar Charge Controller RULES the roost. Virtually all SCC's can handle 12/24/48V Battery Packs, they sense the voltage on Startup and work accordingly. Each SCC has INPUT LIMITS and Specs, it takes the incoming DC Voltage & Amps and steps it down to BATT Voltage and uses teh Amperage from the panels for delivering Charge Amps... (very kiss explanation).
I run 24V, my SCC Takes 2kw of solar, which puts out just under 200VDC and up to 2100W on a nice good day @ High Sun. My SCC converts that into 28.2V/80A Charge rate.
MPPT is the Smart prefered option because they manage solar input far better than the old PWM tech (which is really cheap).
Typically when putting together a system, it is Highly Recommended that you calculate for the Lowest Sun Hour Days (Dec/Jan in North America) and not during June/July Max Sun Hour Days. You want to be able to charge your batteries on the low days and that usually means a bigger array. Excess Power, once cells are fully charged. charging is shifted to "Float Mode" which allows the batteries to level up and balance out nicely, while any usage of the house is covered by the Solar Input directly up to the amount of amps available. If Solar is not generating enough amps, the balance gets pulled from the batteries, as as soon as the load is gone, the SCC will return to Charge Mode and then to balance in Float once the batteries are back to 100%.
The BIG RULE !
Never Ever exceed the Input Limits of the SCC from the solar panels, that will cook the SCC and make for a very bad day.