I admittedly know nothing of the details, but my understanding is that MPPT algorithims are proprietary, unique to the manufacturer, and sometimes quite complicated. So my wager is that your reasoning is flawed because, unless you have inside knowledge of the algorithm, you are totally gambling that the actual real behavior of the equipment will resemble the results of any recreational math project.
385 seems pretty normal to me. 550 for Vmp would not within the full power MPPT range on any 600V inverter I'm familiar with. Did you mean 450? Most inverters stop at 480 or so.