Rob,
you are going past my experience, I’m off grid and old school American engineer, I did a career in electrical here in the USA , I know American made equipment, I do not like off shore electronics especially so I don’t have any, well not much, I use MidNite Classic charge controllers as they are the most programmable and capable out there ( Washington State), my Exeltech inverter, has the best MTBF rating of any inverter, (Texas) all my stuff is industrial quality, MagnaSine MS4024AE, Low frequency Inverter, huge motor running capability that none of the Chinese high frequency inverters are capable of, RollsSurette FLA batteries, I’ve had Chinese, had it go up in smoke, no support, etc. I really don’t use the offshore stuff for these reasons.....no support....limited functionality....poor design.....consumer product
But.....with knowing not much about your equipment, you should do diversion at midday when grid power is cheapest, run on solar all day, Turn off diversion before grid hi rate surcharge kicks in. then switch to stand alone when those rates go through the roof, go back to grid power when the rates fall. Basically do power hungry when power is cheap. It is very hard to run from batteries if cheap grid is available. And invest in a bit more battery, not to sell, its for that unseen storm, or grid outage, they will get worst, Texas and California are examples of what is to come. Out here on the left coast our power provider shuts down the grid during windstorms to keep from burning the state down in a wind storm.
If I understand what you are saying turn on water heater at 10p.m. , is this after the high rates fall? Are you on grid at this point....if you are thinking of running the water heater on the inverter, not a good idea...it would be less expensive to do it during high solar production time.
david
Edit....after rereading there are some words in there that I did not say.....blame Apple they have this neat feature called appleautobutchermyspelling, it’s really incredible, it can’t remember engineering terminology but can remember appleautobutchermyspelling.