May I ask how much you paid for each of those eight Rich Solar panels? Was it ~86$, the Ebay price? To get 800W of power it appears that you've spent 688$ just for the panels? I can not understand why anyone is still buying 100W panels at such prices?
As a general rule of thumb, once you exceed 2-3 100W panels, you'll spend significantly less money buying grid-tie panels. Even after adding a significantly more expensive MPPT controller, you're far ahead with grid-ties.
I don't see any kind of 24V to 12V converter in your diagram, though you are drawing in 12V loads? I see you have 12V loads connected via the load terminals. Do you know how many amps at 12V the load terminals can handle? I don't think it's anywhere near the 40A the the battery terminals can handle. I would check your installation manual before you start piling on 12V loads to it. You may have to add converters to handle the number of amps you want to pull at 12V.
I do think though that 24V for the main system is the best choice.