To get back to this question though - I apologize for the ask, but can anyone help me understand this better?
I've watched Will's video on this subject, and a few other Youtube videos.
The differences I can see are
* Wires are bigger for lower voltages
Since I'll only be running the wires a very short distance from the battery rack to the inverter, I'm not sure how much this matters?
It would cost a bit more, and be a bit stiffer to run, but other than that it seems to be a one-off install issue.
* Higher voltage systems have larger capacity single-unit gear (such as inverters, solar controllers, etc).
I want to test to verify, but I think my loads will mostly work within the size available for 12, 24 or 48v.
Both my solar load and inverter draw seem like they'd work with any size.
If I did need higher capacity with a lower voltage, I could add parallel systems.
That is a concern for an inverter due to the size, but mppt controllers are pretty small.
* Higher voltage systems are higher efficiency
This seems true, but only by 1-2%? If so, that doesn't seem to be a big deal in either direction.
* Higher voltage needs a step-down converter to run 12v loads.
I don't plan to have these anyway, but even if I did, getting a converter is cheap and easy.
* Lower voltage is a bit safer to work with
Staying below 30v appears to be safer than 48, since 48 can cause more harmful shocks.
12v seems marginally safer than 24, but not materially.
Since most people are suggesting higher voltage, it seems like the way to go, but I'm not sure I understand why.
I'm sure I'm missing it, but it doesn't really seem like the voltage matters all that much one way or the other?