Turns out the 4 100w flex panels I installed last year were all recalled because they tend to catch of fire & also lose function.  I was wondering what the @#$ amps was going on with these things!

I replaced them with HQST 100w flex panels (a company the recall guys recommended from what i read) & whoa, instant amps!  Voltage is full blast & amps are high even on a cloudy day.  So far so good!