Thank you everyone for the input. It is indeed is going to stay in the bulk charging stage most of the time
Yes, I understand that load voltage will jump up and down, but it's not a problem, as "subscribers" will have it's own buck converters.
Panels have 36-40V maximum power point voltage, and about 48V open circuit (well, according to seller, haven't seen a datasheet yet).
Anyway, thanks for the suggestions, for now my design stays unchanged, will cook up a prototype tomorrow.
I guess I can always add buck/boost converter to existing board later.