In the US, most home solar installations do not have a in-home battery. It is not uncommon for rooftop solar to be producing >90% of nominal max, for hours at a time.
I know multiple people with solar and have discussed their specs with them extensively. Zero of them have inverters or microinverters sized below the theoretical max of their array.
Are you thinking of a purely off-grid setup without actually saying so?
Nope but in a different market so makes sense, those are probably pure grid tie inverters, which I don't have a lot of experience with because it's not commonly used here. I do see the EG4 hybrid has a similar ratio (we have the same tech here under the Luxpowertek brand).
Even without a battery people usually choose hybrid, which can function on and off grid.
Also to be honest I'm mostly looking at larger inverters so maybe that colors it. Not many users here need 24,000 watts continuous outside a commercial context, for instance, so an inverter with that as an input but 12,000 watts continuous AC output doesn't seem weird since part of the 24,000 watts DC can be sent to the battery.