Selecting panels

Given a choice of 12 volt panels with different VMP specs of 17.5v and 19.5v I assume the one rated at 19.5 would be a better choice but do not know why. Is it that the higher VMP panel will stay above the minimum charge rate (~13.5v) for a 12 volt battery with less available sunshine?
Would the CC type matter, PWM or MPPT?
Would the CC type matter, PWM or MPPT?
Comments
The actual overhead will depend on the temperature of the panel (lower when warmer) and battery (should be higher when cold). Panel Vmp is rated at STC, 25°C, but will generally operate at higher temp and lower Vmp in full sun. There will also be some wire loss voltage drop.
In other words, an mppt may work bulk charging a room temp bank on a breezy cool day, but may not be able to hold absorb voltage on a hot day for a cool bank. Doing an EQ may not be possible.
Main daytime system ~4kw panels into 2xMNClassic150 370ah 48v bank 2xOutback 3548 inverter 120v + 240v autotransformer
Night system ~1kw panels into 1xMNClassic150 700ah 12v bank morningstar 300w inverter
6 230ah GC @36 volts
18 amp accusense charger. 3650 champion
- Assorted other systems, pieces and to many panels in the closet to not do more projects.