When combining all the batteries...the only way they ALL get topped of is if they are charged long enough...and there lies the problem. Especially if there are significant voltage differences and bank capacities.
If you typically motor for 4-8 hours a day and run some kind of charging for hours when at dock/anchor whether solar, wind, genset, dock power...the batts usually get topped of and you are fine.
If you don't keep charging them the other 16-20 hours a day...then yes...you could be constantly undercharging a bank in a combined situation.
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