if there's no work to do, the SCC will just rest.
Similar to if you were filling up a bucket rocks. When the bucket is full, you just stop working. It doesn't put stress on you, if there's still lots of rocks that could be picked up. You are done, because your bucket is full.
Hmm ok but what I was thinking, to follow the analogy, was that, since there was still current being read, that it would be like having a bucket under a tap and once the bucket is full of water the excess will be gushing over the sides. In this case the excess 'gushing' into the SCC still, causing excess heat/wear which it would have to shed. This was my concern. That is may be causing excess wear having to 'work off' the excess.
A better analogy would be eating excess food. The person is full but they keep eating and must burn off those excess calories.

I am not saying that is what is happening but that was my concern to find out if that is actually what is happening.
How much current?
Is the meter able to measure DC current?
If so did you zero out the meter before testing?
It was partially cloudy yesterday so the input currents were low at about 0.8 for the 300W string and 1.7 or so for the 890W string. Yes I did zeroing, the currents were the same when it was inputting current as when the SCC had switched off which is what spurred the question. Important to clarify current reading coming in from the PV panels as well as the SCC current reading going into the battery. So the readings are for the first one, the PV strings, while the second, the current going from SCC to battery was reading -0.1. So what is why I asked where is that current going, which is coming in from PV, because if I had flipped the DC disconnect then there would be no current coming in at all as the circuit is broken which leads me to question what is happening in the case of the SCC 'shutting down' since there clearly seems to be current still coming in.
Maybe I’m wrong but mine will fill up by noon each day…let’s just say…
pumpin those amp like crazy ..
As it gets near full it starts “tapering off “ in a sorta quick slide down to very low… or 0 ..
Ok, this is the behavior mine does too and nice to see yours fills up quickly and shuts down and is no problem.

There is the large influx, reaching to maximum current of 40A SCC limit sometimes, then taper to 0.XA for a while then shutoff after that low level. My concern is not about the large change, but as I explained above of whether it would be putting excess strain on the SCC which could be avoided by cutting the circuit with the DC isolator instead, but from the other replies, particularly from
@timselectric below, it seems this was a misconception.
A PV cell is an illumination based current source, capped in voltage by a PV cell's inherent diode, with some parallel shunt leakage resistance.
Maximum power point is approximately where 5% of the illumination generated current is shunted (wasted) through the cell's inherent diode, with about 95% of the illumination current yielded to the external load (charge controller). This maximizes the product of illumination current to external load times PV inherent silicon diode forward conduction voltage to an external load.
When a charge controller does not need the PV power it lightens the load on the PV array which causes the PV array voltage to rise towards Voc, open circuit voltage, where more and more of the illumination current is shunted down the inherent silicon cells' diode. For the total shutdown case, this causes approximately a 20% increase in panel heating which is approximately the 20% PV efficiency. The extra panel heating of 20% is relatively small and does not damage PV cells.
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Thanks for the explanation but still went over my head mostly.

I guess I have to read up more about open circuit voltage?
It doesn't matter if the SCC stops drawing power, or you disconnect it to stop the power draw, the outcome is the same.
The panels get hotter, because all of the sunlight is converted to heat, instead of part of it being converted to electricity.
Hmm, so I made that assumption above that it was happening at the SCC, being shed through the heatsink, whereas it is actually happening at the panels themselves then?
That is good to know that the effect will be the same either way so won't have to concern myself with wanting to disconnect them all the time. So as such it is just the same as if they weren't connected to anything at all then and just laying there unplugged, in the sun? That puts the mind at ease if so.
Very useful to have these discussions to understand things better and demystify things.