If battery acceptance is too low to test the solar, I turn off the solar, and add some load till the total draw from load and battery is more than what the solar can ever do. Then I turn on the solar and see the difference. That diff is the solar max it can do pointing at high sun in blue sky.
Yes PWM wastes power. Who cares? You get the full amps, which is all you care about. Forget about power.
In the afternoon with the batts near full, you can use your extra amps to run things for free. Makes no diff 12v or 24v, PWM or MPPT. That extra is there, no advantage to MPPT over PWM for that.
Your limit there is the max amps you can get. PWM no change with temp. MPPT you lose amps in the heat, gain some in the cold. So it is all about your personal scenario.