Curtailment and dump loads are pretty straightforward, though, so using all the power isn't as critical as people might imagine either.

It's better to overbuild the dc-to-ac ratio moderately and just accept that on a summer noon you'll be dumping or curtailing, and still get useful percentages in the winter. I'm in the fortunate position of having an essentially infinite dump load (water pumping and heating) that would effectively turn most of my solar into real usage, but even most people can preheat a hot water tank and things like that. With electric cars it's even better.