48V is fine, especially if you plan to go with a much larger inverter in the future. Saving money on stuff you can get locally is a good plan. You could run wires and size fuses based on a 4000W inverter, for example, so then you don't need to replace anything other than the inverter. This assumes your planned 1200W inverter can handle the larger wires. There's little reason to wire for a larger SCC. Setup the planned 150/35 with the 1600W. If you need more solar in the future you can add more panels to a second SCC.
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