Hi I working on a simuilar project.
I would use a 3X15v and one 12v 5 watts zener diodes in series (58v) and a very small ohm resistor as a shunt in between the panels wires just to make sure it doesnt go over 60v. The shunt needed to take away 6v off the open circuit voltage from a 20 watt solar is nothing and the zener resistor shunt wont kick in until the volts reach 58v. Nothing wasted in your charge field but small regulation gained
From 2 years working with solar panels I know the open circuit voltage on the 20 watt panels is around 20v~ 60v for a 36v pack. 60v will never happen unless the
BMS is disconnected from the cells.
Most times I just hook them up just before I leave an allow the battery resistance to beat down the voltage, a good LM317t regulator never hurts.
What I have noticed about solar panels is that they give more watts when the voltse are higher.
For instance.
I can get 1.4 amps out of a 4 series string of 20 watt panels (80 watts) When the pack is low, and the 85v feed from the panels voltage drops to say 46 volts, at 46v it equals 64 watts. Get what I mean, Panels struggle in the initial stage of the charge.
My 20 watt panels will give up 1.3a at 17v each. So to make it more practical we need to find a way to convert the wasted energy into current. Not to mention that 17vx4 panels = 68v and between 46v from discharged pack to 68v to nominal panel voltage there is 22v @ 1.4a (30 watts) adding up to nothing in the beginning stages of the charge,. And then we have the open circuit voltages above 17v.
I plan on doing a switcher that will bight into the solar panels voltage and switch it down through an inductor.
The efficiency should be around 85% which you would loose 12 watts, but with all things considered the gains should outweight the losses.
I want to get at least 18 watts more out of my 4 series solar panels.
Your 36v system should be fine with a simple fet switch and DPDT relay switch and linear regulator. Use the fet to trigger the relay to switch over to a linear regulator and back.