Feels like you're missing something about what MPPT gives you.
An MPPT will convert 3s string with higher voltage/lower current into lower voltage/high charge current on the output side. That's part of the magic.
The most common Y connector config will be 2P since it does not require fusing, and with most solar panels <15A it follows that 30A after the splice is a common rating. Also this matches 10 AWG PV's current rating (ish)
EDIT: A 12kW array might commonly be wired for 500Vmpp and ~24A Impp (something around 14S2P). So even in a large setup like that 50A is not needed, and indeed it sometimes entails hunting down less common MC4 connectors, etc.