Outback Joe did a comprehensive job on this area. Here's a snippet
DC-DC Converter Myths
I’ve noticed a lot of misinformation about DC-DC converters so I’ve added this section to help clear the water. The most commonly reported myth is that your alternator cannot fully charge a battery. Often a figure of 80% is quoted as the maximum charge that an alternator can provide, but I’ve seen figures as wild as 60% being reported. I have found exactly zero substantiated references to support these claims. I have seen exactly zero adequate explanations to support these claims. It’s not true. I think it originated from DC-DC converter vendors and perpetuates with those who have one in their setup. In reality any voltage above the voltage dictated by the battery’s chemistry will charge the battery to 100%. You can verify this by looking at charge characteristic curves on battery datasheets – the capacity approaches 100% for any charge voltage. It is true that the final portion of charging will be slow from an alternator. An elevated voltage will charge the final few % faster and help reduce sulfation.
On average, under cycling conditions, an alternator will provide a greater state of charge. After an overnight discharge, an alternator will charge faster than a DC-DC converter during the bulk charge stage. This accounts for most of the battery’s capacity. For a typical AGM battery size of 100Ah , the alternator may charge at say 40A whereas the DC-DC converter will be limited to its rating, typically 20A, or even less at elevated temperatures. With loads like fridges connected, the DC-DC converter will charge the battery even slower as many amps are diverted to the loads, whereas the alternator has excess capacity to supply the loads as well as continue to charge the battery at 40A. So in a typical scenario, driving from camp site A to camp site B, or driving from camp site to fishing spot, or running your motor specifically to top up the batteries, the alternator will be charging over twice as fast as a DC-DC converter – over 20A more current. Unless driving for a very long time, the battery will never be fully charged in this scenario. It is only once the battery is almost fully charged that a DC-DC converter will charge faster than the alternator. On average though, for a typical cycle of the battery, you’ll have more capacity charging from the alternator.
I’ve seen other myths reported about DC-DC converters. For example that they are better for your loads, or provide “better isolation”, or that they help your starter battery charge to a higher capacity or improve longevity in your starter battery. These are all untrue. Disadvantages of DC-DC converter are numerous as illustrated above.
Some claim that if cost is not an issue, a DC-DC converter is universally the best solution for a dual battery design. Even with infinite budget, I do not believe this to be the case, although DC-DC converters do have advantages that should be considered. Any design is a compromise.
If your auxiliary battery is able to accept a high charge rate from the alternator and will see regular charging from adequate solar and / or an intelligent mains charger then I prefer the advantages of a dual VSR setup.
Remember, a DC-DC converter is the most expensive solution to join your batteries together. Therefore it is the preferred solution for anyone selling this stuff. Keep this in mind when assessing marketing information.
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