Solar disconnect switch
First, I'm not an electrician, either house or boat, so I can only speak to my experiences. Get an ABYC electrician to do your work. Your uncles, best friend the home electrician is NOT the guy to do this work. Most boat fires are electrical in nature.
Second, our 3 Xantrex 220w Flex panels were installed in '20. At that point we had a Xantrex SW3012 charger/inverter and had/have Balmar 125A alternators, regulators, duo-chargers & a centerfielder (just showing our engines charging setup).
When the solar was installed, we had a 150/60 Victron MPPT charger controller installed and 2 Victron smart gauges (solar & battery) installed as well. I really like the bluetooth gauges which allows me to see what is going on anywhere on the boat that I have my phone or tablet.
I do have a circuit breaker mounted next to the MPPT but have never used it. I want the power on our boat to be invisible to us. I had an LED light installed on the lower helm station when we did the solar since we have had multiple occasions where we lost shore power & didn't know it until we fired up enough electricity to make dinner.
Initially with the Xantrex (a dock side surge just blew it this yr and replacement parts aren't available) I would watch the solar produce all day. We have 6-6V L16 AGM batts as a house bank.
The power from the alts & solar both generating at the same time didn't seem to impact the batts other than keep them charged.
After the Xantrex went, I replaced it with a Victron Multiplus 120/3000/12 charger/inverter. After it was installed, I checked the solar and didn't see an output I was used to seeing. The installer said that the Victron would interpret the need and allow charging from the right source.
We haven't anchored out since the new install but during our travels while underway, I've seen a wide variance on the solar output. It has ranged from 410Wh to 2.58kWh.
I'm glad for the solar since our travels while we didn't have the C/I the solar kept our batts charged & mostly in Float until we got the C/I replaced. We did anchor twice before the new install, and all went well for the night again thanks to the solar charging.
IF you can get your install done properly, in my mind, then you will have a breaker to shut the panels down, but I'm not sure that would be the best thing for the panels.
We are currently in a marina, overcast day, hooked to shore power and the panels are generating @30w, batts are in float.
I'd check with the installer, ABYC certified, and get his input.
Good luck.