I have 2, 310w panels with Voc of 40.15. I would like to connect in series. When Voc is doubled then 25% safety factor is added it comes to 100.375 volts. I have a 100/30 smart controller. The nifty Mppt sizing tool says all I need is the 100/20. Does the sizing tool not take into account the 25% safety factor? I could just connect them in parallel, but I think it maybe more efficient connected in series. It is a 24 volt system. Temps here range between 6 deg c and about 35 deg c