The 48V recc, was based on saving money on the charge controllers, not on wire lengths/voltage drop. As you correctly note, 24V is totally fine for a large vehicle sized system.
But a 40A SCC...
...@12V = ~500W
...@24V = ~1000W
...@48V = ~2000W
However if you have already begun purchasing things, or have other reasons for preferring 24V (personally I think 24V is often the sweet spot for large vehicle builds) then you might choose to just stick with the plan and use 24V and multiple SCC's (this has its own advantages as discussed)
Assuming your stick to 24V, I might consider:
3x 40A controllers or something similar assuming 3x40 would be similar in cost to 2x60
1 for starboard, 1 for port, and 1 one the ground deployed panels.
This would also allow you to build in stages as money allows.