If you want a DIY-friendly option, it's best to look towards DC optimizers. They are installed on each panel and they provide a steady 48V output. They also do MPPT tracking on the panel level, so you get the best possible performance if you have some shading.
Unlike microinverters that are notoriously unreliable, DC optimizers so far have excellent long-term reliability.
Are you suggesting using a DC Optimizer from your solar panels to charge 48V batteries directly? This would be interesting. It's the first I've heard of optimizers being used for anything other than prior to an inverter.
Unlike microinverters that are notoriously unreliable, DC optimizers so far have excellent long-term reliability.