I am guessing the panel will be at about 55V at closer to 6A with good sun.
I don't know the contact's ratings, but I wouldn't do it direct without finding out.
The circuit to control the heating element from the thermostat contacts is fairly simple.
Just throwing out an idea,
"mostly for back-up" means the batteries don't get used once a month?
How critical is it to have full batteries? Life support? Or "CSI" on Thursday?
I am thinking the unused battery bank can be fully charged in 1 day, once a week. Maybe once every 2 weeks. As long as it stays over 12.45V or so it should be fine.
The batteries will fail from age even if they are never used and always kept full.
The controller won't show they are "full" until they reach the regulation voltage, even if they were full when charging started.
I do not see any reason why the PVs couldn't be connected to the water heater most of the time.
Could add a 5 or 10W 12V PV just to help keep them topped off. Sounds silly, but 100% of the power from small and large PVs would be being used. That has to be better than only using 5% of the large PVs power.
It seems like a much better way to use what you already have.
G-