Cptnvideo,
Charge controllers are more efficient and cheaper at 48 volts.
Inverters are more efficient at 48 volts.
Inverter / chargers are more efficient at 48 volts.
At about 600 watts of solar, MPPT controllers start looking extremely attractive.
For the OP with 2.5 times that amount it is a no brainer.
If a dc 48 to dc 12 converter failed, the OP could easily reconnect the OEM converter to power 12 volt loads. In my case, that is exactly what I did when my Magnum inverter/charger decided to burn up.
Even a tiny 12 volt battery would be enough to supplement the OEM converter for use when operating slides.
The chances of both the converter and the dc to dc device failing at the same time is pretty small.