How to automate placement of fig.suptitle properly when displaying wide images with imshow in matplotlib?

Question

The issue is that fig.suptitle and ax.imshow (with wide images) do not work well together. I understand that there are some aspect ratio (or something) hurdles to overcome due to the image being wide and the figure being square. That said, I want to know a formula or the set of mpl config options I can use so I can consistently place the title regardless of the image size or grid size.
Something to the effect of F(image_shape, figsize) -> config / location of how to place the suptitle directly above the plot

For example:

import matplotlib.pyplot as plt
import numpy as np 
mat5x10 = (np.arange(5*10).reshape((5,10))%2 == 0)
fig,ax = plt.subplots()
ax.imshow(mat5x10)
fig.suptitle("mat 5x10")
_ = plt.show()

results in a title too high:

I know I can use ax.set_title to place it better

mat5x10 = (np.arange(5*10).reshape((5,10))%2 == 0)
fig,ax = plt.subplots()
ax.imshow(mat5x10)
ax.set_title("mat 5x10")
_ = plt.show()

but this is not sufficient for when I do multiple plots. see that the suptitle goes even further up to account for the multi-columns.

fig,axes = plt.subplots(ncols =2)
mat5x10 = (np.arange(5*10).reshape((5,10))%2 == 0)
axes[0].imshow(mat5x10)

mat2_5x10 = (np.arange(5*10).reshape((5,10))%2 == 1)
axes[1].imshow(mat2_5x10)

fig.suptitle("Two mats")
_ = plt.show()

gives an even worse placement,

By randomly guessing the figsize I can get the title closer to where I'd like it (that is less white space on the top of the figure)

fig,axes = plt.subplots(ncols =2, figsize=(10,3))
mat5x10 = (np.arange(5*10).reshape((5,10))%2 == 0)
axes[0].imshow(mat5x10)

mat2_5x10 = (np.arange(5*10).reshape((5,10))%2 == 1)
axes[1].imshow(mat2_5x10)

fig.suptitle("Two mats")
_ = plt.show()

However I do not know why (10,3) works for showing two (5x10) mats. I'm sure it's relating to the aspect ratio, but not sure how to devise a method for properly placing this title regardless of whatever odd shaped images I put in a figure.

things like constrained_layout and tight_layout seem ineffective... Advice?