Ok, I understand what you are saying but here is an example of my controller just as an example.I found a chart, it mentions nominal voltage and explains how to setup your system. My panels don't mention nominal voltage but did have Voc listed. The chart showed a Voc of ~38 is typically listed for nominal at 20V. The article says 20V can charge a 12V system just fine or if using 2 in series with an MPPT a 24V system.
Since it was suggested I use a 2s5p panel setup I was wondering why the suggested 3s2p battery setup instead of 2s3p?
It is a 24 volt/40 amp controller. I have it hooked up to a 24 volt battery config. My controller is "24 volts" but will allow up to 150 volts, 40 amps and 1050 watts of power. It does not matter if the panels are 12, 24, 36 VOC volts etc. My panels are appx 305 watts, 38 volts and 7 amps ea. I have 4 panels wired 2s/2p. This equals 76 volts and 14 amps but appx 1216 watts. Fortunately I can over panel my setup quite a bit without hurting it. So as you see, you could run a lot of 12 volt panels or less 48 volt panels and achieve the same results. Some configs may be more efficient but you could config a wide variety of arrays as long as you stay within your controllers parameters of max volts, amps and watts.
Wait, I just re-read your statement. Are you going to have a 12 volt system or a 24 volt system? You mentioned both.
My controller is a dual 12/24 controller. If I had a 12 volt battery storage config, I would still have limitations of 150 volts, 40 amps but only 540 watts.
Also a 2s5p that you listed above is 24 volts if you are using 10-12 volt batteries. Your 3s2p is 36 volts if using 6- 12 volt batteries?
To keep it at 24 volts it would have to be 2s3p.
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