Fuse or switchable breaker on both the Panel side and the Battery side
As Tech Writer and others stated protection is only one of the reasons I always install both. Another is the simplicity of system isolation, flip a switch or two and the controller is completely isolated. Morningstar MPPT controllers require a hard reboot (power disconnect) after firmware downloads but typically not configuration changes. A switch with a fuse in line or a switchable breaker makes it very easy.