As with a RV battery, the term 12v is simply shorthand jargon...Due to a series of voltage drops along the way (connectors, controller, switches, fuses, wire resistance, heat conversion) and battery chemical resistance, it takes a minimum of about 18v useful at the panel output to be able to charge a battery at roughly 14.4v, thus the term ‘12v panel’..(at approx 0.5v per each cell...0.5 x 36 = 18v to controller thingy)... .You’ll likely still get a marginal gain with MPPT, but higher voltage (more cells) equal an even better MPPT enhancement, and can help overcome any existing marginal size wire runs.
3 tons