"What am I missing here? Thoughts?
Chris"
You seem to have a mental block about 24-12 vs 12-12 or 24-24. You must understand that an MPPT controller has a buck converter and a PWM does not.
So an MPPT can do 24-12, 12-12, or 24-24, BUT
A PWM can only d0 12-12 or 24-24
Next you must understand that a "12" means it has a Voc around 22v and a "24" has a Voc around 37v. A "12" will be at or under 190w, while a "24v" will be 190w or above usually.
So be looking at the whole set of panel specs, not just the watts, so you can see right away if it is a "12' or a "24"