Mike,
You can use the Load and charge at the same time with no problems. You can charge trough PV input or trough the external shunt but if you charge trough external shunt you will not be able to see the load current just the battery current. The SBMS40 has two internal current shunts one for PV input and one for BATT and with those two it can calculate the Load+ output current also and then is the external current trough witch the SBMS40 can measure current in both directions.
You can connect PV modules directly to PV+ on SBMS40 assuming PV modules will be 30 to 36 cell. It will be easy to find 32, 33 or 36 cell modules rated around 200W or 2x 100W connected in parallel.
You can use an MPPT if you prefer but there will be no advantage when used with a matched PV modules.
The important thing is
1) never remove or insert the 10pin cell monitoring cable while anything is connected to PV+ input or Load+ on the SBMS40
2) do not install anything between the battery+ terminal and current shunt (so no fuse or circuit breaker and those should be after the shunt).
I can't see the photos so I can not comment on that.