A lot has changed in 20 years. Panels do have a life span, I wonder if. yours are reaching EOL.
Here's a good article on solar by Nigel Calder.
Advances in onboard marine solar technology improved efficiency and lowered the cost. But they also introduced more complexity.
www.proboat.com
As others have said, battery SOC will affect the amount of current being produced, the higher SOC the lower the accepted current.
No fuse is needed between the panels and the controller because the panels are a current limited device. Thus, you can use wire that is large enough to safely carry the current. A fuse or circuit breaker is necessary between the controller and the battery or DC+ bus because the battery is an unregulated power source and it is possible for a short to cause the wires to carry more than their rated capacity. The fuse/cb size should match the wire size.
No switch is needed between the panels and controller. If you want to turn off the panels, throw a blanket or towel over the panel or wait until dark.
You mentioned the panels are over the cockpit, are they "flexible" panels? Flexible panels have a shorter life span than rigid panels because they will flex and the internal connections can break.