Let me add or clarify some confusion.
..Higher voltage creates higher current..ohm law
..Wire size depends on current current only.
...24v panels charge 12v system, dropping voltage or current creates heat
regardless using passive or electronic way
Just return from 2 months trip running 190l fridge,freezer on 12v.
In qld heat, unit was running 90% of time.
Manual shows 1000W per 24 hours in ideal conditions.
Sure I was worried, our fridge is always full.
2 cheap 200w panels already installed, purchased 2 140amh Giant bat.
and cheap regulator. Voltage was 12.9v to 14.2v ....success...
this is my reg. believe I pay $40
Panels&controller were cheap, 2 Giant delivered was $560.
..don't make it more complex or expensive, doesn't have to be