It's the limited current flow that's the problem, I could use the PL20 but it's limited to 20A, the battery bank has a few more than that

The PL20 just trying to control a 40amp input at a peak 20v gets it so hot the LCD display disappears and it strts to smell a little

. I thought of using an inverter/charger system but the losses are very high, doesn't really matter if you are doing it from the start batteries to house batteries while driving because the difference in fuel economy to cover the losses is hardly noticeable. but the losses from a house system that's only recharged from solar need to be far less.
The reason I am looking at possibly converting the house system to 48v is that connecting the house batteries to a 12v configuration has real problems with balancing them, AGM's in particular. Flooded cells don't have as much of a problem but AGM batteries have very low internal resistance so 5a or 50a can be pulled out with very little drop in terminal voltage so unless the cabling resistance is perfectly matched across all the batteries in the bank the one with the least cabling resistance will be flattened first, then a chain down the line. The battery capacity is greatly reduced (Peukert’s theory) and discharging below the magic 50% capacity happens quite unexpectedly, only the very expensive AGM batteries can handle that sort of treatment but recharging becomes an even bigger problem.
If the nom voltage of the bank is raised the cabling resistance becomes a much smaller factor in the calculations. I believe 72v is the magic figure but at a charging voltage heading toward 90vdc it's a little too dangerous for a mobile application. Getting connected across 24v with wet hands causes enough excitement, 72v could well be fatal and if you have ever seen the results of a loose/dirty battery terminal on a 24v starting system can you imagine the carnage at 72v when an inverter load hits
T1 Terry