I have gotten 4 different answers to a similar question from the techs at SMA. I see no obvious reason why I can't simply use an MMPT charge controller to charge the battery bank and then feed the Inverter AKA DC Coupled. (in my case SB7000US). There has to be a simple way to prevent overcharging. Right? SMA is offering me ridiculously complicated and expensive solutions to what seems like a simple problem. I am speaking off a completely off-grid application.
SB7000US?
That's a grid-tie inverter, not meant to be fed with batteries.
Although, people have used batteries with a Sunny Island for grid support.
It does not form a grid for off-grid use, at the very least doesn't have the right firmware.
Some newer models will deliver usable AC directly off PV during grid failures.
You can improve on "expensive" with an SMA battery inverter new from eBay.
I have both configurations of Sunny Island working, both AC coupled and DC coupled.
With DC coupling, the SCC can use its own settings for battery charge modes, usually constant current of everything it can deliver bulk, followed by constant voltage absorption, then float. Or lithium settings. In most cases, it doesn't know if current actually goes into battery or is used by Sunny Island, so if available amperage is more than battery should receive it gets cooked.
Some charge controllers like Victron can use a shunt and regulate battery current. That should allow higher current from PV when consumed by inverter, but regulate battery current to target.
For DC coupling, some charge controllers (Sunny Island Charger from MSTE or Midnight Classic) can talk to Sunny Island for voltage an charge mode. But they do not regulate a particular charge current.
The other configuration, AC couping, is where you would use SB7000US. In this case, Sunny Island regulates battery charge current to target level. You can have much more PV capacity than a small battery wants, but still charge it at target current. The Sunny Boy will be told to increase and decrease its output according to AC power needs.
For a lead-acid battery, I would definitely recommend AC coupling, with Sunny Boy or another inverter supporting frequency-watts. You can add some DC coupling, but not more than maximum desired charge current.
I don't have experience with lithium. If you use it of course it may accept higher and variable current so you don't usually need a low regulated charge current. But you will have to address reduced current for some temperatures.