Well, how are you going to have enough solar to cover loads in poor conditions, and not be overpaneled in strong conditions?
You would have to ask those that advocate overpaneling about the latter part of your question. I don't advocate overpaneling, I don't see the need.
As for the first part of your question, I pull all available production from the array at any time. I also advocate large battery banks, enough for 4 to 5 days capacity of limited sun. This plays into the next question.
unless you have enough scc's to handle production when full strong sun is out,
Yes, that is correct. Enough SCC's to handle all production with peak sun. Pull that energy off the panels and put it in batteries or power loads. For example, a 10Kw array equipped with a pair of 5.5Kw SCC's. Large battery bank to soak up high array output.
overpaneling will overwhelm the controllers.
I don't advocate overpaneling although originally I had overpaneled the SCC's in the 6500EX. At peak sun they clipped and that potential yield was lost. The yield could have been used for a dump load if batteries were full, one example would be home heating using a heat pump or even resistance heating.
And if you do have enough scc's for the strong sun production, you will have more solar production than the batteries can store.
That is the purpose of a large battery bank and dump loads. Yesterday's example was heavy overcast sky until 11 am, then clear skies as the front pushed those clouds south starting at 10 am. At 9:58 am, my 58 Kwh bank was at 36% SOC. I pulled full array capacity thru peak sun and any available PV power until 5:14 pm. My wife did 2 loads of laundry, ran the dryer for both loads, ran the dishwasher and battery reached 74% SOC with 24.9 Kwh charged into the batteries. Those peak sun periods can really push power thru the system. Highest charge rate was 8.02 Kw (156A) with periods of lower charging depending on washing machine and dryer. Loads powered from 10 am to 5 pm were 11.8Kwh.
The larger battery bank makes a huge difference. The highest charge rate for the bank was 156A, divided by 4= 39.16A per battery. I was able to store all excess production. I did contemplate running a dump load later in the day as the next day is forecast to be sunny and I'll probably hit full charge. I'm not anywhere near the 1C rate.
Or you will be limiting usage in poor conditions, or ramping up usage in strong...
Our battery is large enough to run the house for 5 days with very little PV yield during the day. One more battery will get me over the 6 day hump. This past winter if I had 6 days of storage I would not have needed any grid power for some periods. With poor sun conditions in forecast, usage is cut to a minimum so no laundry and no dishwasher. Heat pump not ran. Any unnecessary usage is cut but we live life normally, we just wait until good days of sun to do laundry which is normal routine.
As for usage when PV is strong, we use the heat pump as a dump load but if outside temps are below 0°F, I will run resistive heating until battery is 100% SOC, then I might run the heat pump. Take for instance the week after the blizzard here in January. My tilting array at 65° was clear the morning after the blizzard and I even charged a little over 2Kwh plus ran household loads from 8.4Kw of array during the blizzard which one might think is poor conditions. Skies were clear starting Sunday and I could produce 60Kw per day. I heated my house during the day and evening using resistive heat (and some days ran the heat pump) with outside temps never getting above 0°F for the next week. Cold temps like that make for clear skies, it certainly was a change from the last 2 weeks of December and first 2 weeks of January with heavy overcast skies with only 3 days of sun.
I've been a strong advocate of large battery banks and a smaller PV array, although I planned my system for winter production if there is sun 1 out of 3 days. It might take a day or two to reach full SOC but LFP doesn't care. I did this thread last October
https://diysolarforum.com/threads/get-a-big-battery.70751/ and also commented in this post.
https://diysolarforum.com/threads/feast-or-famine-the-off-grid-solar-dilemma.63293/post-790832 Once a large bank is put in with a ratio of battery to PV of at least 5 to 1, life becomes much easier. No need to overpanel, capture any available PV yield and enough reserve to go thru several days of limited sun.