I have an Enphase grid tie system with 4,800 watts of panels, and it can make over 3,800 watts of AC to my panel. I have seen the inverters go into power clip for a bit and I can top 30 KWH's in a day when it is not stupid hot out. Typical average is probably 26 KWH's a day. I was pushing a fair bit back to the utility, only to buy it back in the evening.
I recently installed a Schneider XW-Pro that I did get through Real Good (The California arm of Alt E Store). I only have 17 KWH of storage on it right now, made from 3 LG Chem Chevy Bolt car modules. The whole car uses 10 modules. The XW-Pro does require the Conext Gateway to set it up, but in the scheme of this project the cost is not bad. I have to say for a stout inverter/charger, the XW-Pro is an absolute beast. The continuous rating is 6,800 watts, but it will not skip a beat doing that all day long. The 30 minute rating is 8,500 watts and it can peak to 12,000 watts for 30 seconds for motor start etc. If that is not enough power, you can gang 2 or more for serious power. And they can be ganged to the same load and also sell power to grid which many inverters this size won't do. I have found a few little software issues, but if you are going to have some DC coupled solar, you should not have a problem. I am documenting my system in a Show and Tell thread titled "Adding Storage to my Enphase System". I have not figured out how to link a different thread yet. Since I only have the AC coupled solar, I am working on a programmable logic controller to command the XW on when to change modes and adjust the charge and invert currents. Hopefully Schneider will fix this in a software update, but I am not holding my breath, and trying to do it on my own. To add the DC coupled solar, yes, you need to also get an MPPT controller. The Schneider MPPT 80 600 is a bit pricey, but it takes up to 600 volt open circuit on the panel side, and can charge the batteries at up to 80 amps on the output side. That is over 4,000 watts of output on a 50 volt battery bank.
They do have some BMS integration options with packaged battery units, but mine is not tied in. I don't think it is that important. You have full control over the voltages and currents, and I have it set to stop charging and shut down inverting well inside of the BMS limits, so it should never have to cut off unless the battery is failing and goes way out of balance. You can ad the Schneider Battery Monitor unit to get a more accurate State of Charge on the battery, and it can sense a mid pack voltage that may help it detect if it is going out of balance, but again, the BMS will shut down if the balance goes out so it's not a safety concern. My BMS has a blutooth app, I check in on the pack once in a while and it has been working great. The balancer section rarely has to do anything.
What is the capacity of your electric cars, and how far do you run them down in a day?
Let's assume a little...
If you have a 60 KWH car like most of the newer ones (Chevy Bolt, Nissan Leaf, Tesla 3 Kia Niro EV), and you use say 30%, that means you still need about 20 KWH's to top it back up each night. And that is each car. That is more than 60 miles of driving per car. A BMW i3 or a Chevy Volt is a bit less battery to charge. A Tesla 100 model or Porsche Taycan, a bit more.
If you set it to charge that 20 KWH's in 6 hours, as you sleep, that is charging at about 3.4 KW's per car. The great thing about the XW-Pro for this use, is you can set it in "Grid Support Mode" where it will just add it's 6,800 watts and if you pull more, it will just take it from the grid. No switching involved. Add a WattNode and it will sense the current at your breaker panel and dial down it's output when the cars stop charging so you don't exceed your NEM export limit. If you really ant to charge 2 cars, I would recommend 2 units, with one car charger on each, just to make sure you don't exceed the internal 60 amp transfer switch limit. That makes it so the unit can pass through over 14,000 watts at 240 volt. If your storage battery runs low, it will just stop inverting and the grid pass through will keep going at up to 60 amps as well.
In a full power fail situation, the grid tie solar moved to the "Essential Loads" panel will be able to help charge the cars, or back feed and help the DC coupled solar charge the home storage battery.
Back to the assumption that you want to be able to fully charge 40 KWH's in one day, during a power failure. Even on a good sun day with 5.5 hours of sun, that would need almost 8 KW of solar panel if you don't leave any power left for the house. That is doable, and falls inline with the numbers you gave in the original post. So it just leaves the big elephant in the room. What do you need for the battery bank?
You don't want to drag you home storage batteries below about 30% in daily use. Even on LFP that is pushing them a bit. So figure you will need about 60 to 80 KWH's of battery. Assuming 16S LFP packs, that is up to 1,500 amp hours. That is a lot of battery. More than 4 times what I have now. That will give you a little overhead to run some house loads, and if the cars are not pulled down as much you will have more reserve. Have you checked how much you actually do use? This is possible.
If you do produce excess power and your batteries are full, the existing AC coupled solar can sell to the grid through the XW-Pro, and the XW-Pro can even sell from the DC coupled solar as well. And you can set the sell limit, so it will curtail the DC solar output as needed after the batteries are full and you top out the NEM limit. And when you go off grid from a power failure, it is also able to frequency shift and curtail the AC coupled solar if it is exceeding the charge rate or if the batteries are full. I hope to do an off grid charge test on my system soon. I want to see it grid form and control my Enphase micro inverters and see if it works as smooth as they claim.
I am an end user who bought the system, and I obviously don't any compensation here. The build quality and robust nature of the XW-Pro is rock solid. The software just has a few small holes they need to work on. They have had 2 firmware updates in just 5 months, so they are working on it.
A Skybox is a simpler all in one and it does seem to do all AC coupling a little nicer for now than the Schneider setup. For my smallish system, the 5,000 watts would probably have been enough, and in hindsight, I might have been better off out of the box with it. But the separate component nature of the Schneider does have some advantages also. If I need to expand my system, it is very flexible and programmable to handle just about anything. My biggest software gripe is getting it to cut back to grid charging, but with adding DC solar, that is not really a concern for your setup.