> using multiple panels per charge controller
This is the usual approach, because SCs are often less expensive per amp as they get larger, simplifies wiring and takes up less space at the bank.
> (in series) to raise the voltage of the line running back to the controller (to minimize line loss from a low voltage long run)
And also MPPT likes higher voltages for efficiency, but lower 12V nominal voltages (15-22V) used to be all that was commonly available, as higher was wasted with PWM.
> if I go with giant panels and one charge controller per they will already be maximized for power output with neither of the drawbacks
Yes
> (except $)
the cost measure as $ per watt, the larger high volt panels are competitive, can actually be cheaper
But shipping can be expensive, ideally you find a good deal close enough to pick up
The overall efficiency, watts per sq ft, as well as shape/dimensions, maximizing what you can fit on *your* roof is also important
The Victron 75/15 at ~$100, with a 32-65V 200-250W panel (maybe 300W if no costlier) is IMO a great-value pairing to use as a baseline for comparing other options.
That specific SC is unique in actually being cheaper per amp produced than Victron's larger units. But not suitable of course for that giant 400+W panel of Jim's.
Others are happy with "kit" offerings that are less expensive, but IMO the included controllers aren't quite as good.
Creating serial strings and/or paralleling with multiple panels, all going into one big SC is indeed the normal approach, works just fine.
IMO my approach can be just that bit more efficient and cost-effective, but there are lots of variables.
As you see devil's in the details, and you've obviously come a long way in your ability to sort them out.