Rules of thumb, are all thumbs!
Every solar install is different, whether it's because you have to work specific hardware because of space limitations or you want the system to perform a specific task. There are no absolutes.
My panels are 36V nominal feeding an MPPT controller into 12V nominal batteries.
The first task in ANY new install is to define what you want out of it. For example, if you are only looking to extend you battery capacity you will go one way. If you are looking to be 100% energy self sufficient, you'll go another. For most it's someplace in between.
Figure out how much power you use...conserve!...then decide how much solar you "HAVE" to have to charge a set of batteries that meets your demand without being overdischarged.
When I began to research my system, I made MANY missteps. Thankfully I didn't spend a huge amount of money for something that wouldn't work.
I wrote it all up for the RVnewsletter family. It's a 6(!) part series of articles you can read them here:
WanderMan: A Better Solar Charging Mouse Trap.PART 1
I'm working on new lithium phosphate battery technology now.
Maybe this info will help....
Rich "The Wanderman"