Barry,
The 40V or so is max a cold 60 cell panels will output and that is considered a safe low voltage. Of course many setups have multiple panels in series and then yes that voltage may be a problem but not from a single panel or parallel panels.
PV solar panels are constant current sources meaning that you can not see more than 12 to 13A for a few seconds from each 60 cell panel and more typical 10 to 11A so the only reason to have fuses or breakers is for cases where you have more than two panels in parallel and that is not the case with my system where each DSSR20 was designed for just two parallel panels.
There should be no reason for any fuse or breakers in an RV type installation but in off grid installations where panels are quite far from battery you may want to disconnect them during a severe thunderstorm especially if system is earth grounded so breakers in that case act as easy disconnect switches not overcurrent protection devices.
Current from battery should not be able to flow to panels due to build in ideal diode in the DSSR20 unless somehow that fails but that is just one fault you also need a short on the PV wires and both fault alone are improbable thus both faults at the same time is highly unlikely so not normally considered as a possibility.