Your panel voltage and battery bank voltage almost have nothing to do with each other. I have a 24V battery and 3 panels in series providing up to 120V. The MPPT charge controller will convert whatever voltage/amps the panels can produce into the proper battery voltage and associated amps. So don't plan on a 48V just because your panels are almost 48V.
What capacity (in amp hours - Ah) are your batteries. We know they are 12V but without knowing the actual capacity very little can be determined.
Have you done a proper energy audit of your needs? Figure out what components you need to use. Figure out how long per day they will normally be used and how much power they need. Separate that into DC and AC so you can properly determine what size inverter you need. That will largely drive your system voltage more than anything else.
The panel specs, along with the decision on battery voltage, will help determine the best way to setup your panels (4S, 4P, or 2S2P) and an appropriate charge controller for that setup.