Hi Ben! Yes you absolutely can just use the solar panel. It will sag down to 12v and the current will be whatever it is. It's almost a constant current source, so even shorting the output of the panel will still only give around the same current as at 12v. I've done this a lot with a homemade panel and charging 12v and 3.3v batteries. The open circuit voltage of the panel was over 20v, and the 3.3v battery didn't care, and neither did the panel. The only issue is you aren't maximizing the power output of the panel, but who cares about that. haha
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