Victron Energy SmartSolar MPPT 100V 30 amp 12/24 Volt Solar Charge Controller Bluetooth, SCC110030210, 100/30

This 30 amp model is rated for maximum 440 W My question is if my three panels add up to 500 W is that a problem can it damage the controller?

Do i need a battery monitor with this? Is it really necessary? Im building a setup with 200 watts of panels, 2 100ah agm. I just want to do it right

Does the 100v 30A model have built in bluetooth as well? The picture doesnt show the phone next to it like the other models do.

can i wire 4 300 watt panels in series (86ocv) into this controller and expect the controller to charge a 12v bank? would i loose any mppt efficiency