Well I don't agree with PT at all on this, which is weird, but is.
Most/all MPPT controllers are designed to run at their rated amps, same as a PWM controller is, without overheating. But the MPPT controller will "clip" the amps, so if the panels crank out more amps the controller just won't let any more through than it is rated for and will not overheat.
So with those MPPT controllers you can ignore the 20% margin rule. However it does mean if you attach more array so that array will produce more amps than the controller is rated for, it means you wasted some money buying panels, or you need a higher amp controller, but at least you will not damage your under-sized controller.
PT also is having a bad math day, by using 25% instead of 20% margin when he says to use only 16a of 20 instead of 16.67 of 20 for a PWM controller.
Expected max amps of 260w is 260/130 x 8.2= 16.4a, so IMO, to meet the 20% margin rule with PWM with a 20a PWM controller, you can go to 260w of array.
With MPPT clipping the amps at 20, you can have as much array as you feel like, but you will still only get 20a to the battery. At "STC" 25C etc, and allowing for 10% MPPT advantage in amps over PWM, you should get value from an array approx 280w.
1. 1991 Oakland 28DB Class C
on Ford E350-460-7.5 Gas EFI
Photo in Profile
2. 1991 Bighorn 9.5ft Truck Camper on 2003 Chev 2500HD 6.0 Gas
See Profile for Electronic set-ups for 1. and 2.