The closer you maintain the finish charge rate to one half percent............
AND................
The more you stay away from deep cycle depletion...........
The less important the 20% / one half percent rule becomes.
For instance a ten percent depleted battery recharged to within 1% of finish amperage in an timely manner may never loose capacity in an excessive fashion.
I wish electro-chemical was easier to explain and understand. It would make my life easier.
The easiest way to avoid drifting into the hazard zone is to fully recharge the battery. Trying to outguess a 67% state of discharge versus 2.9 amperes finish amperage rate is almost impossible. Loss of capacity is not easily undone.
Jeez, for the price of a 29 amp Megawatt, this could be resolved in a snap. Being stubborn about solar reminds me of being stubborn about starting a sailboat engine and having the crew eat three hundred dollars in provisions to save 12 gallons of diesel, or gaining "I sailed the whole way" bragging rights.