Lots to unpack here but I can throw you some quick answers...
So since I do have the setup I believe all of it now here for the panels even though it's not the land or the house would it be worth setting up here if I'm going to be here another couple of months or would it not be worth it?
It'll be a good experience to see how things will go together when you get your new place. Make the panel frames out of wood & screws so you can disassemble and move it later.
If I'm able to have at least a working outlet to recharge a phone when needed or to charge a light if I need then for now it'll work as far as absolute necessity.
From what I remember of your system, you'll have more capability than just a light bulb and charging your phone.
So one of the components I believe the charger will stop putting the power in so the batteries aren't over charging correct?
Yes, that's part of its job.
Does inverter will stop drawing power when the batteries drop to low but before they completely run out? I'm a little worried about those because the batteries are what I can't ruin.
Yup, they all have low voltage cutoffs and even if for some reason it were to keep trying, the BMS would eventually stop sending power to protect the cells inside.
These heat pump things I've heard about for heating and I assume that's the same as was mentioned for the hot water are those something that's worth it ?
There are heat pump water heaters, but as a general guideline we say "Anything But Solar" for anything that needs to make heat like water heaters, stoves, wall heaters, etc. They take a lot of wattage for a long time to be effective which means lots of battery. Depending on your climate heat pump water heaters may or may not be cost effective.
On the other hand, a heat pump is usually an air conditioner or an aircon/heating unit. The advantage is that they're very energy efficient, but you still need a lot of system to run. We can go deeper into the theory and all but Youtube has lots of videos that can explain it.
So after hearing all the information thus far I'll likely either stick with just what I have for the moment or maybe get a little more for it and then move to a 48v if I can afford it or at least go to a 24v.
If you're going to start small and jump up later, plan on going straight to 48v. Lots more capability and 24v is kind of the red headed step child of the solar world.
I'm considering the way I want to set things up and if smaller individual systems would work better or just 1 larger one. I'm sure there's not any benefits of doing the smaller ones though unless it's just for upgrading and just adding a system.
Ultimately a single large system tends to be more cost effective and simpler, BUT having a 12v system operating now is better than a 48v system you might have in a couple years. Later the smaller system can be used for things like a shed system or greenhouse or anywhere you need to run a little power that would be a PITA to run a wire to.
It looks like a 3:1 on panel w battery watts is a pretty rough estimate for what I am seeing in most systems would that be a fairly reasonable assumption ? Like as for energy usage/storage upkeep?
That's about where things tend to end up, especially with medium size and smaller systems.
The next goal in the solar system is the ac. I am definitely going to try to keep it to a minimum of running but do my best to prepare to run it a lot. So plans are to start looking for affordable panels and batteries and see how much the 48v would cost to start with a small system that I can just add to hopefully.
Aircon is a beast and eats batteries alive so plan on having a LOT of panel and battery to run it for any amount of time. Even a decent quality 12k BTU heat pump will draw 800wh / 80 amps per hour, so just over an hour on a 12v 100ah battery. Roughly. You'll have to math that out but napkin says 6 hours @ 800w = 4800wh which is basically a 48v rackmount battery on its own.
Can all types of panels be connected as long as they're the same v and w?
All panels can technically be connected, but what you're looking for is the Vmp (working volts) and Isc (maximum amps). When you start mixing & matching panels, things go to the lowest common denominator. So, say you had 3 panels at 40v, 50v, and 20v with 5a, 4a, and 10a respectively. Each panel is 200w, but if you put them together in series they would all go the lowest on each spec, so your 600w worth of panels would be nerfed down to 20v (lowest voltage) and 4a (lowest amperage) resulting in 80w of usable panel. (Someone might correct me on that one). So, try to match your panels. Mixing a 37.2v, a 38.1v, and a 37.6v together isn't going to make a noticable difference.
How about the batteries? Does the brand matter? The ah? Volts I assume have to be the same and ah but what about the size? Can I get smaller ones and then add larger ones later but use the smaller one? I don't want to limit what I can use to much later but I also do have to go within means.
As long as it's the same chemistry and voltage, you can mix & match capacities all day long. There are a couple little things but it'll work just fine to put a 100ah battery and a 300ah battery together.
would prefer these be on a ground level if possible does that have a huge negative impact? I'm sure it has some but I really would like the easiest accessibility if I need to fix them. If it's super significant then I'll go ahead and put them on the roof.
A lot of us are fans of the ground mount system. Easier to get to, easier to build, easier to disassemble, cheaper to build.
Ok, hand is cramping up. Stylus on phone adds up. Someone will be along shortly to pick up where I left off.
I open these panels tomorrow and they're what I think they are) would it be safe to say I'd be able to run a couple fans and a small refrigerator? I'm assuming it'd take roughly 3 more batteries and like 6-9 more panels... maybe. I'm brainstorming some possible ideas of how to make sure I can keep the animals that need it cool in the summer in case I can't get the ac able to run before then. 
