Is it more cost-effective to choose 48V or 24V for a home photovoltaic energy storage system?

For small households with limited budgets, low electricity loads, and no plans to expand capacity, a 24V system is more cost-effective in the short term.
For households with high electricity demand, high-power appliances, or those planning long-term use and potential expansion, a 48V system, although requiring a higher initial investment,
is more cost-effective in terms of operating efficiency and long-term maintenance.