You don't understand this stuff at all. 96% efficient means the SCC is up to 96% efficient at turning incoming power into battery charging power. That's it. It in no way implies you should get 96% of 400 or 500W for 10 hours per day.
The only time panels produce their rated power is at 25°C and 1000W/m2 of solar radiation hitting the panels. If you're not perpendicular to the sun, you get less. If the sun is not nearly directly over head, you get less. If the sky isn't perfectly clear, you get less. In your imaginary scenario, 31A average is a fevered dream. MOST of the time, it will be well under that. RARELY will it be over that, and in your location, you may NEVER get a full 40A.
There isn't a place on the planet that gets 10 hours of solar productivity on a fixed array. My system is in sunny AZ with a thinner atmosphere, and I don't get anywhere near your imagined 10 hours. If you have a 2 axis tracking mount, you can get close. I picked a place a little bit SE of Portland:
I tilted the panels at 45°. The AC Energy column assumes a 15% loss due to conversions. 49kWh/month = 49/28 = 1.75kWh per day average.
If you mounted them at less than 45°, your production will be lower.
I think your expectations are way off base, but I also think your system is under producing. Something is wrong with your system.
You need to check Isc on each of your panels.