How to reduce VOC of solar panels to match the MPPT of inverter
If I correctly understand what you're trying to do, it seems that connecting a DPDT relay to each pair of panels would achieve what you want:







simulate this circuit &ndash; Schematic created using CircuitLab

Activate relays as needed to power the LV inverter. If a relay should drop out for some reason, there's no danger of exceeding the input voltage rating of the inverter.