I'm still using direct connect.. But now I'm using the 500w array too.
I've found the 500W array can charge my 48v bank and also make hot water..
I did make one hack to the system this summer. Our water was getting too hot,
so I made a rig to short out the 800w array.
When the tank hit's 72c, the SSR will kick on and short out the PV power..
Now that the summer seems to be kicking in, we are using a lot of hotwater,
so the short hasn't kicked in yet..