Actually solar panels are usually listed at a lot higher voltage. It's normal for a '12v' solar panel to actually put out 17 volts. A good charge controller (which you should have for a solar install) will regulate that down. Most gel or SLA batteries need 13.2 to 14v to charge, so you don't want exactly 12v. Also, if you have a solar panel that was exactly 12v and it gets cloudy, you'll loose some voltage. By starting off with 17+, it can help overcome that.
itís not only about the odds, itís about the stakes.