The MPP point for most '12volt' panels is around 18v. A cheapie PWM controller throws away a significant percentage of the power in producing the 12-14v on the output. This is why one of the important points when using a PWM controller is to keep the panel's output close to the voltage the battery is charging at. If you have 44v input on a PWM controller charging a 12v battery the losses would be large.
If you do want to work on the system during the day and are still concerned about unplugging, throw a sheet of cardboard or a thick blanket over the panels. Better yet, just open that isolator switch you have inline with the panels...