Been pondering something similar lately with the setup aboard Perseverance (my 58ft trad stern, currently moored somewhere between a duck and a bad decision on the Kennet & Avon).
I've got a Victron SmartSolar MPPT 100/30 feeding a pair of Fogstar Drift 100Ah LiFePO4s, and it occurred to me recently — what actually happens to the load side if the MPPT decides to have a wobble? A rogue voltage spike, a firmware hiccup, the usual Victron-induced existential crisis at 2am.
The question I keep circling back to is whether a Victron BatteryProtect between the battery and the loads is genuinely sufficient as a failsafe, or whether I'm creating a false sense of security. The BP will happily disconnect under low-voltage conditions, but it's not exactly designed to catch over-voltage events coming from a misbehaving charger upstream, is it.
Worth noting the BatteryProtect's own manual specifically says not to use it on the charge input side — which some folks seem to discover after the magic smoke escapes.
Has anyone actually had an MPPT malfunction badly enough to damage downstream kit? I've read the theory, but real-world narrowboat or off-grid horror stories (ideally with a happy ending and minimal weeping over ruined inverters) would be very welcome.
Also curious whether anyone's using a proper BMS with load disconnect as the primary protection rather than bolting a BP onto a system as an afterthought — seems like the more elegant solution but I'd love to hear how it's working in practice.