Tri Star 45amp NON MPPT

[inetdog]

Just a thought but if I get a 20a MPPT charge controller with a 24v 12v transformer (460w / 24 = 19.16) and arrange my batteries in a 24v configuration would I get the full potential of my panels? I know that I cannot expand cutting this close, but I can get a stackable controller.

The problem with this idea is that the 24V to 12V DC to DC converter (NOT a transformer, they only work for AC) will add some cost and inefficiency and you will not be able to charge your battery bank from the engine alternator. That is a pretty big thing to give up.
If you do decide to go this route, I would definitely get a 24V inverter instead of trying to run a 12V inverter off the converter.