Hello Toby
I'm pleased everything is coming together. The FM 60 is a very good machine.
Most good (high capacity) charge controllers do not have load terminals on them. The main reason is that it is almost impossible to determine what loads the customer will be running, it could be 100A or it cold be 1000A, who knows. They could design for 1000A, but this brings about a whole new set of design complications and extra expense. You would also then need to run very thick cables into and out of your charge controller which is extra cable that is very expensive. It's better to just stick with the thinner (60A) cables and just have the charge controller perform charging tasks.
It is perfectly normal to connect your loads directly to the battery. A good inverter will monitor the battery voltage at all times and will cut out when the set low voltage limit is reached. I am not certain, but I think the Outback may have relay contacts that can be used when the battery voltage dips too low.
I think I have mentioned to you before that a battery monitor is essential in any serious installation. Good battery monitors will have alarms and a set of programable contacts, to drive bigger realys for instance, to disconnect the battery loads should the voltage drop too low.
Don't send the Outback back, it's a very good machine and will last you many years.