My AGM RV batteries will charge - or keep charged - with anything above about 13.5 volts getting to them ... so yes that's an "on/off" point for them.
However, I assume that even poly panels' output sags down to 13.5, and lower, volts as the sun's energy fades or weakens ... hence I assume that poly panels hit an "on/off" point too.
I'll bet that one thing MPPT controllers bring to the ball game is that they soften/smooth/average-out the output turn off point for both poly and mono panels as sun energy fades. Of course, I could be wrong in that mono panels do somehow act "digitally" in their response ... if so, it's not intuitive how their electro-chemistry could act this way.