What are the differences in a T4 connector and a MC4?

I had to parallel because the open circuit voltage on my panels was around 47 volts, and it is possible for me to be in near zero weather, which made the cold compensated voltage around 51.3 volts per panel. Total would exceed the 150 volt rating of my Morningstar MPPT controller. They said that could fry the controller. So I paralleled three sets of 8 gauge wires to my controller. I think my panels are considered 36 volt panels, not 24 volt. Thanks.