Thought it was the array voltage, not the current, that determined how much you'd gain from MPPT.
The MPPT will load the array down so that it operates at whatever the "Vmp of the moment" is. That gets the most watts out of the array. That's the first advantage of an MPPT controller.
(If you didn't have the MPPT, then the array voltage will always be at whatever the battery voltage is - and that sure ain't gonna be anywhere near Vmp.)
Then the controller will take the higher voltage/max wattage power from the input side and feed it through a buck converter to lower the voltage, which has the handy side effect of also bumping up the amperage to get more amps headed to the battery. That's the second advantage of an MPPT controller.
Then the output from the buck converter runs through a PWM circuit to charge the battery. That's not technically a beneift, but still a good way to charge a battery.
But the array voltage doesn't matter to the MPPT. The array voltage must always be higher than the battery voltage or the battery won't charge. The MPPT will optimize the loading of the array so the array operates at its most efficient voltage (which will get the most watts out of the array), regardless of whatever voltage the array is rigged for. So series or parallel - either way the MPPT will get the same watts from the array.
Vmp is a constantly moving target. MPPT is constantly adjusting the load, to keep the array operating at whatever Vmp is at the moment. Most do a check and adjust every 60 seconds.
So then it just becomes a question of: "Is it worth the extra cost?" Rule of thumb is for less than 200w - probably not worth it. 200w or more, certainly worth the money.