Lead-acid in general and FLA in particular have a relatively narrow charge "window." In addition to an upper limit, you don't want to charge below about 0.05C as that can encourage sulfidation during charge.
It also depends on your use/charge profile. If you're using loads in the morning, OR you don't use that much battery overnight, and the battery quickly charges to full in the morning, it's not likely to see peak current anyway.
Another consideration is powering loads with solar once battery is in float. If you have the potential for 700W, but you can only put-out 400W due to SCC limitations. you're wasting a lot of solar when you could otherwise use it for loads.
It's not uncommon to over-panel. It seems a bit uncommon to over-panel by nearly 2X.