I am not complaining about this great weather this week on the East side of the Island! Too bad if the stupid solar wilts. : )
I am not sure about that 1% over 44C in view of the math that came out right in the OP on the voltage coefficient. However that is only the 44-48 part of the 25-48 so maybe it doesn't show enough in there.
Of course there are many good reasons to choose 24v panels over 12v panels and that means you need an MPPT controller if you go 24
Just that nobody should expect the often mentioned greater daily AH haul you supposedly get with MPPT as a reason to get MPPT. As seen in my various comparison tests as posted in the past few months, that diff in AH haul is tiny if you even get any. Only get MPPT if forced to go 24v for other reasons IMO.