Unfortunately that won't work for a number of reasons
1/ You cannot use AC rated switchgear of any sort including thermostats on DC, they will simply arc and catch fire.
Excellent point, easy to solve but very important to know
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You cannot "short out" the panels with a low impedance load that is mismatched to the panels current operating condition so you need a converter of some kind to prevent this happening.
What happens if you do? I was under the impression you just lose efficiency because you're not running them at max power point, not that anything is damaged.
Just to encourage you we have been using a 1Kw array with efficient conversion to provide most of our summer hot water since 2017 ![ThumbsUp :-+](https://www.eevblog.com/forum/Smileys/default/icon_smile_thumbsup.gif)
Wait for the rude comments about not washing enough ![Roll Eyes ::)](https://www.eevblog.com/forum/Smileys/default/rolleyes.gif)
How big tank are you running at 1kW successfully?
My tank is 180L but there is only me using it and only for 1 shower a day, so I reckon it would probably work fine at 1kW.
I believe from reading the manual for my cylinder that it's 180L with 3kW element @ 230V.
So that would be 17 ohms when heating at 3kW, ignoring that its resistance would be a little different at lower power levels, two panels in series (100V) would only be 588W.
So a step up inverter is required to use the current element.
Would need around 130V to get the element to work at 1kW.
So either 50V to 130V boost, or 100V to 130V boost depending on if the panels were series or parallel