MPPT solar regulators

I've never had anything to do with MPPT regs. so today I was amazed at what I was told by two different people that sell them.
I have 250 w "grid type" panels I want to use as an extra charging system for the 12v system I have in my mobile home. I want to use it on a block of land we have so I can park the vehicle in the shade and use my extra panel/s mounted on a trailer, out in the sun. I'm looking at the Victron 15a/75v unit.
Now, the panels state they have a max power voltage of 34.6v and a max power amps of 7.23A, giving the 250watts. (P=VI). Because I want about 15 amps, I presumed I'd need two of these panels. (All theory)

But what I didn't know is that, when using an MPPT Reg, you divide the watts by the max charge you'd expect the battery to accept when charging. (Say 14v). So 250w divided by 14v = nearly 18 amps! Is this true? So I really only need one panel to get my 15 amps.

I'm presuming that a PWM type reg will only give what the panel suggests; 7 amps. (All round figures).
Thoughts?
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