Using a MPPT as a DC to DC battery charger?
I am at it with another build and the 12v needs from a 24v system are always sort of a pain to deal with. I will have my main battery bank (24v and 5,700 watts) hooked to a Midnite Classic 150 and 1,300 watts of panels. I have been thinking about using a step down converter for my 12v needs but if I add an additional battery it will give me another 1,200 watts in my bank and I will likely be wasting solar anyway with a topped off 24v bank by sunset.
I was thinking about a DC to DC 4 stage charger but they're costly. Then I saw mention of using an MPPT hooked to the 24v bank instead of PVs and charging the 12v bank like that. I have a spare EPever 20a and 30a MPPT sitting here and this would afford me a lot of versatility and redundancy if anything broke while traveling.
Anyway, I've seen mixed opinions and was wondering what you all thought, is this a safe and sane option or no?