I do not have any experience with the max4172, but I do run a portion of my shop from wind and solar.

First I would say you have more solar capacity than you need at you current usage if the batteries are becoming fully charged and power needs to be diverted.

In a perfect set up, the system should be balanced so at the end of the day(literally) the batteries are just at the full mark. This is hard to do so you should shoot for "not quite full". A little over charge now and then will not hurt anything, it will save some one the maintainer's time of equalizing.

The intent was to prevent power from coming into the batteries aside from what is flowing through the voltage / current regulated source while still providing any additional power coming in from the solar array directly to the regulators which provide power to the connected loads.
You need to draw the power from the batteries. A 33watt panel will not run an inverter alone. The panel is for charging.

Sound like you have a simple circuit to disconnect the batteries if the do reach "full", so I would spend my time building a boosting circuit.

The idea is , when the panel is out putting less the the current voltage of the batteries, boost the voltage from the panel high enough to allow current to flow into the batteries. The circuit should have a diode to stop current from flowing in the wrong direction, say at night.

Sorry if all this is of no help, just sounds like you are concerned with the wrong end of things and do not want some one to waste there time like I did many years ago when I started playing with this stuff.