I understood FLA consumes 1/3 of the power delivered, you get back 2/3. Put another way, what it consumes is 1/2 of what you get back from it.
Only from reading, I've never lived with FLA beyond small size.
I do use AGM, and I'm not logging its performance. Way over-paneled and grid-backup so most of their life spent basking in Float.
You probably have efficient off-grid house. I simply installed excess PV, back when I thought rebates made it a good deal. Was break-even with utility at best over 17 years. Today, PV + LiFePO4 is much cheaper (but if using lead-acid, lower cycle life may make cost same as grid.)