The voltage matching point @DanPhillips99 raised is crucial. I've got a small array feeding into a 48V bank and the difference between my old PWM and the Victron MPPT I swapped in was genuinely noticeable — we're talking 15-20% more usable charge in autumn/winter when panel voltage drops.
That said, PWM isn't dead weight if you've sized it right. The key is keeping your panel voltage only slightly above battery voltage. Run 24V panels into a 24V battery bank and you're not throwing away much. But stack 48V panels on a 12V system and you're burning off the difference as heat — that's where MPPT earns its cost back.
@Spud79, did you measure actual amp-hours going in before and after? I'm curious whether you saw the theoretical 20-30% improvement or something more modest in practice. The real-world figures vary wildly depending on how many cloudy days you get.
For new setups, MPPT makes sense if budget allows. For retrofits where a PWM's already doing the job, I wouldn