Thanks, I remain optimistic! :)
Getting an extra half an amp when batteries are below 80% SOC seems odd, but could be that MPPT watts thing again. It would not be from the battery acceptance rate tapering the amps at higher SOC.
10 amps on four batts is 2.5a per battery so that would be acceptance rate for about 97% SOC at mid 14s voltage. If 10a is the charger's max amps, it should keep doing 10a right up to the high 90s in SOC on that size of a battery bank.
But with solar charging you get that IV curve tapering in the 14s with 12v PWM so your 10a will be a bit lower from that. With 24v panel MPPT, that IV curve thing at 12v battery voltages is replaced by the all that MPPT mishmash for what happens, but you would still be in the high 90s ( I think)