The efficiency gap's honestly become academic for most domestic setups. What matters more is your actual installation constraints and how you're using the array.
I've got mono panels on my garden office and they perform fine even when partially shaded in winter — the cell structure just handles it slightly better. But that's because I spec'd the system around my specific roof pitch and orientation. On a static caravan where you might be repositioning or dealing with variable tilt angles, the mono's slight edge in temperature coefficient becomes more tangible.
Where I'd push back on pure efficiency metrics is that modern polycrystalline panels from decent manufacturers (Renogy, Canadian Solar) are genuinely reliable workhorses. The real variable isn't mono vs poly — it's panel quality, your charge controller (MPPT makes a massive difference here), and whether your battery bank can actually absorb what you're generating.
If you're tight on space and serious about maximising output, go mono. If you've got room and want better value, poly's perfectly adequate. Just don't cheap out on the rest of the system trying to save £200 on panels. That's false economy.