I was thinking more along the line of safety. But we all have solar panels that also operates at 500VDC, so I guess that risk is always there. With HV batteries if you use proper conduit so that all wires are securely covered, and equipment is properly grounded, then that should make it safe enough. As to the cost of batteries, HV are a little more expensive than LV ones.
With your LV setup, have you tried running house/load on battery alone? I'm curious how much fan noise does inverter make when battery is charging or discharging at 3+ KW? I've heard that HV inverter makes less noise because its working with lower currents vs LV inverter which has to push more current.