"In short, MPPT excels in low temp, low battery SOC% situations"
I find that with usual usage and battery bank etc, etc, morning voltage before solar wake up is in the high 12s. As soon as solar wake up an hour later batt voltage is in the low 13s and from breakfast to supper time (when usage knocks voltage back down but sun is sinking in the west) high voltage is in the mid 14s (with PWM, my set-up)
So there would never be a time for MPPT to shine as it would in theory with batts in the low 12s.
Some other scenario, much contrived wrt real life, could indeed show why you should $pend on MPPT. Not me! (Except for the fake MPPT I ordered thanks to RJ, for $13----which I will test out of course, completely unbiased as I am, and report on here. BTW, thanks a heck of a lot RJ !!! :) :)