Solar panel exceeding controller rating

Hi folks

If I have a 20A MPP solar regulator and on a very sunny day my panels produce 350w (21A), will I simply lose the extra to never-never land or will it potentially damage my controller?

TIA
Rog

No, not measured it. We're changing over to LifePO4 and want to change the charging system to compatible kit. I'm simply not sure at this stage if I'll upgrade my panels, and wanted to future-proof just in case and if feasible.

I currently have three 100w panels, but as they are 10 years old I'm considering upgrading to newer and more efficient panels, and possibly bigger capacity or more of them.
The 21amps is just a theoretical figure I picked from the air.

I asked in some other places and the basic answer I got was that it depends on the regulator (i.e. safety cut-offs etc) in order to protect the actual hardware, but that one should really have a regulator capable of handling a maximum wattage/amperage.

So I've gone with a "Epever MPPT Solar Charger 12/24/36V/48 V, 40A, Input 150V, LCD UI (XTRA4415N)"
That 40A should give us a bit of leeway.

3 X 100w panels will normally only produce in the high 200's even in the south of Spain in the summer. How can they produce a figure in excess of their rated maximum during an Irish winter, something is seriously out of kilter.

Example, my 200w of solar will only achieve 180w or thereabouts in mid-summer in southern Europe and struggle to 70w or 80w during the winter here and that's considered normal.

If you have the space and controller to handle it....Why not