12V/100AH = 1,280Wh/1.2kWh 4x100AH cells -4S BMS
24V/100AH = 2,560Wh/2.5kWh 8x100AH cells -8S BMS
48V/100AH = 5,120Wh/5.12kWh 16x100AH cells -16S BMS
120V/10A draw =1200W. 12V@100A=1200W, or 24V/50A =1200W, or 48V/25A=1200W (Uncorrected for inverter inefficiency)
With Batteries in Parallel to make up a bank, each battery CAN act as "Last Man Standing" providing fault tolerance / fail over should any or all other packs cut off for any reason, each pack can be configured to operate "stand alone" thereby keeping you up & running.
COSTS: Note that the 12V 200W panels cost MORE than 24V 250W+ Panels and if you can access places like Santan Solar the deals to be had are incredible. The SCC can take say 200V it does not care if from 12V, 24, 50V Panels. But less panel = less wire, racking, breakers/fuses and simpler combining. It is never the $1000 thing that hits ya, it's the piles of $10, $20 & $50 thingamabobs that do it.
The BIGGY: Like a House the Foundation that it's built on has to be solid and support the structure. Battery System is a "Foundation" component. So build for YOUR TARGET and not the interim which will have to be redone & updated. IF you know that you will want 240VAC/100A Service which requires 24,000W + Overhead then you clearly need to build 48V (48V@250A=12,000W). To get 24kw to the main panel would require Paralleled 12kw Inverters.
Also remember, We can now easily get 304AH Cells which are ideal for Energy Storage Systems so you can build a "Native" xxV/300AH battery pack. 280AH cells weight 5.1kg, 304AH cells weigh 5.6kg. These can get quite heavy quickly, so that is also another thing to consider.
The tough nut to crack... Yes a 12V battery is cheaper per unit at first blush BUT consider the amps it has to push out to deliver the wattage demanded that is where it crosses the line. Higher voltage = less amps to deliver wattage and easier on the gear etc...