I'd suggest that only a 5% overvoltage estimate is too low. Midnight Solar recommends 12% for 0C (freezing). To be really safe, I'd suggest you plug your panel specifications into Midnight's string calculator. That will give you an accurate Voc at whatever your winter low is.
http://www.midnitesolar.com/sizingTool/index.php
For my own arrays, with three panels in series, I went with Midnight's 200V controller. That gives me a very broad safety margin. If you haven't gotten your charge controller yet, I'd really recommend you get a higher voltage model, and also higher amperage. If you plan on going with 48V, which I think is a good idea, you'll most likely want to upgrade your system in the future. Limiting yourself to only 35A is going to hobble yourself. In terms of those home-made terminals, I was daily passing 60-65A through them with no issues.
1275W of solar is quite small for a 48V system. I really think you should plan for upgrading your system in the future. For my own cabin, I've got a 48V system that can make American split-phase 120/240VAC, which I use to power my well-pump. That's a monster that needs ~9200W at startup, and 2000W to run. I understand you don't need that much power, but who's to say what you will want in the future. Make sure you have a clear path to future upgrades.
One thing you can do now with that idea in mind is going a gauge or two thicker in copper wire than what you need today. Besides the extra safety margin, you'll save money in the long run because you won't have to rip out thinner wire when you decide you want to upgrade. Believe me, I know. I've upgraded my cabin system three times since I installed it in 2017. I've added an additional 1000W with each upgrade whenever I got good deals on Craigslist panels. I've got 4 gauge between the charge controller and batteries, and 0000 wire between the batteries and the inverter.
I'd encourage you to get a clamp meter that can read inrush. I started out with an expensive Fluke meter, but found a much cheaper alternative that I use routinely now, a UniT-216C I can read both AC and DC amps, AC inrush, and regular volts and ohms. In the US, it's about 75$ on Ebay right now.
One last thing. Don't believe the salesman hype about the deep discharges of Li batteries. Although they do have a deeper discharge curve than lead-acid, very deep discharges shorten their lives almost as much as lead acid. If you want to have long battery life, plan on never discharging them more than 50-75% on a daily basis. You would be wise to double your battery capacity right now in anticipation of lower discharges.