Re: question on inverter/charging setup
Welcome to the forum.
I would not be worried about over-charging the batteries. The inverter has a built-in charger, but it should be a regulated charger. When does it activate? At a minimum Voltage and/or whenever AC IN is present? Usually such is the case, and the Voltage level can be set.
You've got a good estimate on the panel output. With an MPPT controller that array would probably manage 32 Amps maximum. If the inverter's charger can't be shut off the maximum total current would be 54 Amps which is 27% of the battery capacity (if truly 200 Amp hours). This would only occur during Bulk charging, and only if the array has full sun at that time. Usually it would start out charging in the morning and the batteries would reach Absorb before the panels are capable of their maximum output.
I'm putting a lot of caveats in this post because I don't know the exact specs of any of the equipment.
I will say that if this is like other hybrid GT inverters that battery bank at 200 Amp hours total is very small for a 3.5 kW inverter. Doubling the size of the battery bank would solve all the problems at once.
1220 Watts of PV, OB MX60, 232 Amp hrs, OB 3524, Honda eu2000.
Ohm's Law: Amps = Volts / Ohms
Power Formula: Watts = Volts * Amps