Ok, I get it now. I think you may be carrying over a cross-application to the non-use of solar dc panel fusing a little too far.
Yup - guys running the wrong cable AIC ratings for their DC starting circuits - or using breakers that instead of opening, weld themselves shut! Or using their mondo house-banks for the same starting purpose with a cross-switch. Flaky switches that weld instead of switch - fuse banks that have lots of voltage drop etc etc.
You may or not agree with the ABYC standards, which help expose this problem for a marine installation, but they do seem to recommend using dc-fusing for non-starter circuitry.
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So I *think* I know where you are coming from now, but I believe you may be doing a cross-application mixup in regards to the panels.