Noel,
I had not time for the DMPPT450 since last winter to busy with the new Kickstarter and SBMS0
There is a newer firmware for the DMPPT450 that I will need to add to DMPPT450 manual as there where a few things I changed last winter. I noticed that even with my 33x 260W panels and the 8 heating loops connected each heating loop is made with 18 AWG wire the thick but small surface aluminium plate will not keep the SBMS internal temperature below 50C where it should be so I use a 120mm fan in front of the DMPPT450 at 10V (is a 12V fan) and that keeps the temperature at around +45C that is acceptable.
The thing is that temperature measurement is made inside the microcontroller that is in the middle of the board but all power mosfets are next to power connectors at the outside perimeter so while the microcontroller will only see 45 or 50C the mosfets may be closer to 80 or 90C that is already to close to limit.
With just the diversion to battery the current is smaller so there is not that much heat so in summer time (non heating season) I do not need any cooling fan. I guess that is how you use the DMPPT450 until now.
The 18 AWG should have 21mOhm/m (mine had that) but you should measure to make sure it is that and not something else depending on where you got the cable from. In my case loops where around 2Ohm so about 95m long loops (can have a bit of tolerance).
For the 55 gallon drum I will say just one of this heating elements should be used max will be 36V/2Ohm = 18A x 36V = 650W (and in some cases when is cold and sunny here I seen 650W trough one of this heating elements).
The 55 gallon drum if is plastic can handle max 55C so there is not much temp range 20C min to say 55C is 35C delta x 1.16 x 200 liters =8.1kWh
Having one heating element and drums not isolated sort of make sure you almost never get to the +55C
For bathroom floor it will depend on the size in my case one loop covered about 5m^2 but 7 to 8m^2 may be better not to heat the concrete to much mine may get close to 30C according to thermal camera and mine is relatively deep under about 4cm of concrete the tiles are still not installed those should add another 2cm.
And you do not need to install a max number of this heating loops just as many as you need will work just fine.
you have 39 x 245W = 9555W and say about 3000W may be diverted to your battery then you still have 6555W that is about 10 of those heating loops but if you only need say 3 of those loops there is no problem. The max power point voltage may be higher maybe 34 or 35V with less heating loops but the loops as mentioned are already designed to handle 36V so it will be fine.
I will also add a large diode where you have the loop end as is a fairly large inductor with those 95m or so of wire. I should also add that to the user manual update.
Edit:
I will add two photos to illustrate what I have connected now.
At this time 4 of the panels are used to test the SBMS0 so I have just 29x 260W connected to DMPPT450
You can see the fan in first photo blowing some air on the DMPPT450 but also all the breakers and cables.
In second photo you can see there are 8 of those loops I mentioned channel 1,3,4,5 have each two of those loops in parallel and then on channel 2 there is a single smaller power loop used to heat some water.
The PV4 is diverted to battery charging 53.4A at the time I took the photo and 155A going to heating 32.3V at that time for the array. The DMPPT450 internal temperature is +47C and ambient temperature is around +24C
You can maybe see the firmware version is 1.2 for the DMPPT450