I use a small 12V system and a medium 24V system. The house has been running on the 12V to 3000W inverter for the last few days including some cooking, hot water and laundry.
12v or 24V you can touch and work on, probably even with wet hands. 58.4V you can probably still touch with dry hands. But if we go above that we need more expensive parts and nothing can be "exposed".
12V/24V components are plentiful and cheap. Many devices are compatible with 24V and even more 12V. A length of 2/0 or 4/0 between battery and inverter is a one-time investment and will never lose it's value so I don't mind spending $100 on cable. An 8S 24V 300Ah LifePO4 is 100LBS so I can still move them around and stack them but a 16S 300Ah is 200LBS so probably has to be built on a shelf or in a cabinet. I don't know why that matters but it might be a consideration for some.
If you have a large home or a large family, 48V with large split phase inverter probably a no brainer. Youd spend less on MPPTs, BMS and cables, but less options when it comes to 48V inverters rn.