I understand that you are working to figure things out. Let me share where I've wound up with after 5 years of operation / working with a bigger system as just one example. Note: Midnite Classic Charge Controllers can be hooked to PV or Battery in any order but I agree that some Charge Controllers don't like this. However, the general concepts apply.
I have breakers to
protect wire and so I can conveniently shut things off to
work on the setup safely.
Here's where I have breakers....
1) PV Array -> (outdoor) Combiner Box within 10ft of array - Breakers/Quick-Disconnect
*Required by code / helps fire dept.
--------------- these are all within reach of each other at the 'solar power room' -------------------
2) Combiner Boxs --> Charge Controllers - Breakers at the Charge Controllers to shut off the PV current from different arrays.
*Useful so I can work on the Charge Controllers without going 150ft outside to the #1 above.
3) Charge Controllers -> Battery Bus Box - Breakers at the Battery Bus Box to shut off all Charge Controller current.
*Useful to stop current flowing to the master DC battery buss from the Charge Controllers
4) Battery -> Master DC buss Control Box - Battery Breaker/Shunt-Trip
* BMS can trigger if battery out of spec and manual trip useful to ensure the battery current is completely stopped to safely work on things.
* Use with #3 to make the master Battery box / bus 100% dead - safe to work on.
5) Battery Bus Box -> Inverter - Breaker to protect wire to the Inverter
* Useful to shut-off power to work on the Inverter
Some combine #3 with #4 - so a single 'master switch' will disconnect all current going to/from the battery bus and all the loads flowing from the master DC buss.
Here's a pic of #2 (other side of the area from battery)
View attachment 143371
Here's a pic of #3, #4, and #5
View attachment 143368
In the beginning of my journey, I ignored all this stuff... but as the system grew and the lethal potential grew (400a @ 48v) AND as I've had to work on things many times to expand and do maintenance - I find all all these breakers absolutely useful for safety.