1.
I did not have a MPPT with my backup power system, so I don't know the specifics.
I understand a MPPT is designed to find the maximum charge current in any condition. It might take PV output of 18.9 V at 5.3A, and drop it to 16V at 6.25A (theoretically).
Your 100AH battery should easily be able to absorb 10A (going by a typical safe recommended charge rate of C/10).
The TI datasheet says the BQ24650 can handle up to 10A, and will taper down the current as battery becomes fullly charged.
https://www.ti.com/product/bq24650#modalWin
It's a question why you were told to set it for 4A charge output.
Did you report a problem with components overheating?
Did you report that the battery was overcharging, bubbling? Etc.?
2.
A 100 AH battery at depth of discharge = 0.7...
will need 70 AH to reach full charge.
Charging at 4A, it will take almost 18 hrs. (Going by the math only.)