Setting the MPPT charger higher than the mains charger wont work because as soon as you start drawing current the battery voltage will drop and the mains charger cuts in even if your batteries are full. Therefore you are always drawing mains power only a little from the solar. In the morning your batteries will be charged by the mains, expensive, and then when they are full the solar will just keep them topped up. In a proper off grid system the charger only cuts in when the batteries drop to 50/60% but you must have good batteries, like forklift batteries, if you want them to last a long time.