So here's the deal. Putting cells in series certainly lowers wire cost with higher voltage lower current. However, it comes with problems. Mainly if one cell in the series has an issue then the whole string may become unusable. This can include any harsh shadows or coverings (leaves) over one cell. So there's a trade off.
I opted, with 4 cells to have two pairs in series then parallel each pair. Giving me ~24V coming down to the charger. If one cell has a problem I only loose half capacity. My wire size is bigger than if I had put all 4 in series but not that significant for my setup.
And here's another sticky wicket, the National Electrical Code. To protect first responders there must be away, during an emergency, to shut off the solar cells so that there's no voltage beyond one foot of the cells. Only applies to roof mounted systems on permitted structures, so simple storage sheds and pergola's, as well as free standing cells aren't covered. There's two cheats. One is that "no voltage" is defined as less than 30V. Ah-ha. Since my cells only put out, nominally, 24V, I don't have to worried about cutoff.
The other cheat has to do with non-storage, direct feed solar cell systems, where the inverters are mounted underneath the cells. This systems are connected directly to the commercial mains and sense the commercial voltage, mainly to synchronize their frequencies. When the commercial mains loose power, as when the fire department pulls a meter to shut power off to a building on fire, the micro-inverters shut down by themselves. Neat, huh. No shutoff switch required.
Just looked on Amazon. One brand 12V 300AH is $320. That less than I paid for my two 200AH Gel Cells. I may change out this winter. For $700 I can run my freezer and frig for over week easily.